Latest Money & Credit

How much money do you need in retirement?
Report: How Much Americans Say They Need To Retire Investing & Retirement July 6th, 2023
A recent financial study shows that the amount of money U.S. adults think they’ll need in retirement is increasing. Northwestern…
Ask Clark money column
My Husband Bought an Individual Stock in His IRA. Will You Tell Him This Is an Awful Idea? Investing & Retirement June 27th, 2023
If you've listened to money expert Clark Howard over the years, you've likely heard him explain his investing strategy. Clark…
7 Items You Should Never Carry in Your Wallet
7 Items You Should Never Carry in Your Wallet Money & Credit June 23rd, 2023
We tend to carry all kinds of personal items in our purses or wallets. While it is necessary to carry…
saving money
Are You Rich? The Amount Americans Need To Live Comfortably Investing & Retirement June 19th, 2023
With inflation and other economic pressures affecting Americans, what it means to be rich can seem like a fluid concept…
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Do Banks Delay Processing Deposits and Transfers To Make Extra Money? Banks & Banking June 16th, 2023
Banks have given consumers plenty of reasons for cynicism in the 21st century. From the Great Recession (2007-09) to billion-dollar…
Ask Clark money column
My Financial Advisor Isn’t a Fiduciary. Should I Switch Advisors? Investing & Retirement June 15th, 2023
Choosing the right financial advisor is a challenge. Typically, a good financial advisor charges around 1% of your total portfolio…
401(k) loan
Should You Ever Take a Loan From Your 401(k)? Investing & Retirement June 13th, 2023
If you are facing a large amount of debt or a big unexpected expense and have a sizeable amount of…
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Should I Pay Down My Mortgage or Save More for Retirement? Investing & Retirement June 9th, 2023
Living on less money than you make can lead to complex financial decisions. For example, should you use your free…
The best robo-advisors offer low fees for managing your investment along with good customer service and a good app or website.
5 Best Robo-Advisors in 2023 Investing & Retirement May 31st, 2023
The best robo-advisors are popular because of their inexpensive, hands-off, low-risk approach to investing. As more robo-advisors (and investment options…
CLARK budget method
Free Budget Worksheet: The CLARK Method to Create a Monthly Budget Budgeting & Saving May 30th, 2023
The secret to saving more and spending less every month isn't a secret at all — it's a budget. We…
retirement plan
New Report: The Age Most Americans Expect To Retire Investing & Retirement May 26th, 2023
There's a huge gap between the expected retirement age for many American workers versus when retirees actually leave the workplace,…
Clark.com reviews Fidelity Investments to explain which investors are best suited for the brokerage firm.
Fidelity Investments Review 2023: Pros & Cons Investing & Retirement May 26th, 2023
You probably know Fidelity Investments is a giant, popular investment company. Our Fidelity review will help you figure out whether…
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My Parents Haven’t Saved for Retirement. What Should I Do To Help? Investing & Retirement May 19th, 2023
Most of the headlines regarding family members helping each other financially deal with parents supporting adult children. However, in many…
10 Rules for an Enjoyable Retirement
10 Rules for an Enjoyable Retirement Investing & Retirement May 19th, 2023
WANT A HAPPIER,more fulfilling retirement? You work your entire life to get there, and you want to make the most…
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My 18-Year-Old Son Got a $100,000 Settlement. Should He Use It To Max Out His IRA Every Year? Investing & Retirement May 18th, 2023
However it happens, you suddenly get a six-figure sum plopped into your bank account. Great news! Now what do you…
Social Security money
Why Next Year’s Social Security Cost-of-Living Adjustment May Not Be As Big Investing & Retirement May 16th, 2023
At 8.7%, the 2023 cost-of-living adjustment for Social Security was huge. According to the Social Security Administration (SSA), the average…
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How Can I Estimate My Social Security Benefit? Investing & Retirement May 16th, 2023
Now that pensions are almost non-existent, many Americans rely on Social Security to sustain them financially in retirement. You can…
Bank account shown on a tablet screen. Checking vs. savings account
Checking vs. Savings Accounts: The Differences and Why You Need Both Banks & Banking May 13th, 2023
Whether you're looking to open a new bank account or taking time to restructure your finances, organizing your money into…
In this Charles Schwab review, I'll explain why money expert Clark Howard strongly recommends the investment company.
Charles Schwab Review 2023: Pros & Cons Investing & Retirement May 10th, 2023
In some ways, reviewing Charles Schwab isn't much different now than it would have been in the 1970s. Guided by…
7 Challenges in Retirement (and How To Solve Them)
7 Challenges in Retirement (and How To Solve Them) Investing & Retirement May 9th, 2023
AH, RETIREMENT.You’re blissfully free of the daily grind. If you’ve made plans for this long-awaited milestone, great. What if you…
Robinhood reviews are nuanced because of the many layers involved with judging the company that has further democratized investing.
Robinhood Review: Pros, Cons & Who Should Use It Investing & Retirement May 9th, 2023
Robinhood has democratized investing, making it accessible and affordable for people of any age and income. It offers commission-free trading…
In this Vanguard review, we'll explain why The Vanguard Group is excellent for passive investors and index funds.
Vanguard Review 2023: Pros & Cons Investing & Retirement May 9th, 2023
Most Vanguard reviews focus on the firm's bread and butter: its low-cost index funds. The Vanguard Group is not a…
Buying car with credit card
Can I Buy a Car With a Credit Card? Money & Credit May 4th, 2023
Most people pay for a new vehicle with cash, cashier's check or a bank loan. But what if you want…
Acorns vs. Robinhood is a common debate among new investors looking for a mobile fintech company.
Acorns vs. Robinhood: Which Investing App Is the Best? Investing & Retirement May 2nd, 2023
In this comparison of Acorns vs. Robinhood, I hope to show you why this is a wonderful era for investment…
Webull vs. Robinhood is a modern debate between free, self-directed investment apps.
Webull vs. Robinhood: Which Investing App Is the Best? Investing & Retirement May 1st, 2023
Webull vs. Robinhood: the subject of a great modern debate between people who love self-directed mobile investing platforms. When Robinhood…
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My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe? Money & Credit April 28th, 2023
Payment technology and culture advanced so quickly that the time when you could get a discount on your monthly bills…
Roth vs. traditional IRA is a decision that you'll face if you want to fund a retirement account outside of work.
Roth IRA vs. Traditional IRA: What’s the Difference? Investing & Retirement April 27th, 2023
If you're funding an Individual Retirement Account, your first decision will be a Roth vs. traditional IRA. But what's a…
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What Should I Read To Learn More About Investing? Investing & Retirement April 24th, 2023
You may want to learn about investing but you're not sure what to read or which advice to trust. You're…
Ask Clark money column
How Should I Collect Payments for My Small Business? Money & Credit April 20th, 2023
Not long ago, businesses and customers had two choices for transactions: cash or credit. Now, there are a number of…
Ask Clark money column
Are Money Market Funds a Safe Place To Stash My Savings? Investing & Retirement April 19th, 2023
The massive interest rate hikes since the first quarter of 2022 have impacted almost every corner of the United States…