Christopher Smith is a writer who covers investing, banking, insurance, and making extra money. He joined Clark.com in 2020. He has more than 14 years of writing experience. Christopher has always been interested in personal finance. When he was in elementary school, he would read the Sports and Money section of the newspaper at the breakfast table every morning, tracking the prices of his favorite stocks. He joined the investment club at school and even chose to make his fourth-grade presentation about the stock market. When he’s not working, he spends most of his time with his wife, a first-generation Colombian immigrant and a Physician Assistant. He also likes college football, NFTs, rock climbing and good restaurants. You can reach Christopher at [email protected]

More posts by Christopher Smith

Ask Clark money column
When Should I Book My Flight From Atlanta to Europe? Travel December 7th, 2022
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Compound interest is one of the most exciting, powerful and remarkable forces in finance. Given enough time, a modest amount…
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What Is the Best International Cell Phone Plan? Cell Phones December 5th, 2022
At Clark.com, we study cell phone plans every day. We've written about the best cell phone plans for every budget,…
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What Do You Do if Your Short-Term Rental Isn’t As Advertised or Has a Problem? Travel December 2nd, 2022
If you stay in a hotel room and something is wrong, you can march to the lobby and usually get…
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How Much Liability Coverage Do I Need on My Car Insurance Policy? Car Insurance December 2nd, 2022
Nearly every state requires a minimum amount of liability coverage on your vehicle insurance. Those of us who love saving…
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How Much Should Your 401(k) Account Cost You All-In? Investing & Retirement December 1st, 2022
The easiest decision in retirement planning is contributing to your company 401(k) account up to the company match. You can…
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How Do You Prepare for the Likelihood of Long-Term Care Costs? Life Insurance November 29th, 2022
Planning for the potential for expensive healthcare at the end of our lives is one of the least exciting parts…
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A Hacker Tried and Failed To Get Into My Account. Now What? Protect Your Identity November 18th, 2022
Whether you received an alert that your passwords are available on the dark web or you just want to practice…
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Why Are Credit Card Interest Rates So High? Credit Cards November 16th, 2022
Americans are doing a historically poor job of saving money and are racking up credit card bills -- just as…
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Where Would Clark Howard Live if Not in the United States? Travel November 15th, 2022
Money expert Clark Howard operated travel agencies early in his career and has spent decades as a prolific international traveler.…
Tax-Loss Harvesting: How To Use a Bear Market To Lower Your Tax Bill
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It's been a rough year for U.S. equities. Due to a combination of historic inflation and aggressive interest rate hikes…
IRS Announces Record 401(k) Contribution Limit Increase for 2023
IRS Announces Record 401(k) Contribution Limit Increase for 2023 Investing & Retirement October 25th, 2022
The Internal Revenue Service (IRS) announced a record increase in 401(k) contribution limits for 2023, raising the standard amount from…
Here Are the New IRS Tax Brackets for 2023
Here Are the New IRS Tax Brackets for 2023 Money & Credit October 21st, 2022
The Internal Revenue Service (IRS) just announced the new United States federal income tax brackets for 2023. The IRS, which…
Aspiration Spend & Save: Do Good While Maximizing Your Savings Interest Rate
Aspiration Spend & Save: Do Good While Maximizing Your Savings Interest Rate Banks & Banking October 17th, 2022
Even late in 2022, with interest rates constantly rising, the fact that Aspiration is offering up to 5% interest on…
The True Opportunity Cost of Your ‘Innocent’ Car Loan
The True Opportunity Cost of Your ‘Innocent’ Car Loan Money & Credit October 13th, 2022
CNBC recently published a story on the habits of "super savers": people who contribute at least 15% of their pay…
Fidelity, Vanguard Working To Prevent 401(k) Leaks
Fidelity, Vanguard Working To Prevent 401(k) Leaks Investing & Retirement October 11th, 2022
The days of working for a single company for decades, getting a decadent retirement party and riding off into the…
What Is Group Term Life Insurance?
What Is Group Term Life Insurance? Insurance September 20th, 2022
You just got hired and your company is offering you group term life insurance. That sounds good. But what is…
Pirate Ship offers huge discounts on UPS and USPS shipping for individuals and small businesses.
Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Save Money September 9th, 2022
Shipping packages can be expensive and stressful with huge price tags, long lines and little guidance. Enter Pirate Ship. The…
Immediate Payout Annuity: What Is It and Do You Need It?
Immediate Payout Annuity: What Is It and Do You Need It? Investing & Retirement August 5th, 2022
Depending on who you're around, sometimes you have to watch your words. I'm not talking about avoiding certain four-letter words…
What Is Return of Premium Insurance and Should You Get It?
What Is Return of Premium Insurance and Should You Get It? Insurance July 26th, 2022
Term life insurance creates a morbid conundrum: Live through the policy term, and you get nothing after paying premiums for…
Should You Sell or Stay in the Stock Market if You Are Retired or Retiring Soon?
Should You Sell or Stay in the Stock Market if You Are Retired or Retiring Soon? Investing & Retirement July 25th, 2022
Whether you celebrated this year's arrival of a bear market or felt pain largely depends on how close you are…
What Is a Bear Market?
What Is a Bear Market? Investing & Retirement July 14th, 2022
The words themselves sound ominous -- if not scary: "bear market." The S&P 500 entered a bear market in June,…
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Should I Have Gold in My Portfolio Right Now? Investing & Retirement July 12th, 2022
As an investment, gold isn't all that interesting. It doesn't pay interest or dividends. There are no quarterly earnings reports.…
The Clark-Approved Way To Invest in Real Estate
The Clark-Approved Way To Invest in Real Estate Homes & Real Estate July 7th, 2022
Investing in real estate is a hot topic in 2022 with a booming market for housing prices. However, deciding to…
Why Aren’t My Savings Account Interest Rates Going Up?
Why Aren’t My Savings Account Interest Rates Going Up? Banks & Banking June 28th, 2022
By now, you're probably aware that the Federal Reserve is raising interest rates aggressively in an attempt to combat the…
Clark Howard revisits his crypto predictions and takes after the onset of 'Crypto Winter.'
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If you think the S&P 500 decline has been brutal, check out some of the devastating crashes that have taken…
investment fees
What Fee Percentage Is Too High for Your Investments? Investing & Retirement June 20th, 2022
It's easy to focus on your investment choices and your returns. But tax implications and investment fees can have an…
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With the Federal Reserve eager to tamp down inflation, the period of historically low interest rates in the United States…
How and where to sell used textbooks.
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When you finish a semester of college, the last thing you probably want to do is contend with a pile…
3 Places You Should Never Invest Your Money
3 Places You Should Never Invest Your Money Banks & Banking June 6th, 2022
With great power comes great responsibility. Whether you've read about the Sword of Damocles or simply watched Spiderman, you've probably…