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]
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More posts by Christopher Smith

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 5, 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 26, 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 25, 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 14, 2022
The words themselves sound ominous -- if not scary: "bear market." The S&P 500 entered a bear market in June,…
gold bars
Should I Have Gold in My Portfolio Right Now? Investing & Retirement July 12, 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 7, 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 28, 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.'
What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash Investing & Retirement June 27, 2022
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 20, 2022
It's easy to focus on your investment choices and your returns. But tax implications and investment fees can have an…
interest rate impact
11 Ways Interest Rate Hikes Will Impact Your Wallet Banks & Banking June 11, 2022
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.
How To Sell Textbooks for the Best Price Possible Make Money June 10, 2022
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 6, 2022
With great power comes great responsibility. Whether you've read about the Sword of Damocles or simply watched Spiderman, you've probably…
Thrift Savings Plan
What Is a Thrift Savings Plan? Investing & Retirement May 26, 2022
What is a Thrift Savings Plan (TSP), and how is it different than a 401(k) or IRA? To start, money…
How Much of Each Paycheck You Should Save or Invest
How Much of Each Paycheck You Should Save or Invest Investing & Retirement May 11, 2022
As a country, the United States stinks at saving money. However, we collectively got our act together not long after…
Is a recession coming in the United States?
Is a Recession Coming to the United States in 2022? Investing & Retirement May 6, 2022
It's possible that we're headed for a recession in the United States right now. However, that may not mean what…
Traditional vs. Roth: A Quick Answer for Your Investments
Traditional vs. Roth: A Quick Answer for Your Investments Investing & Retirement May 5, 2022
Choosing between a traditional and Roth 401(k) or IRA means sifting through a number of variables. But if you have…
You can buy treasury bonds just like countries, Wall Street firms and wealthy individuals.
Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account Investing & Retirement May 3, 2022
If you're a saver, you've been punished for years with terrible interest rates on your savings account, CDs or money…
Why You May Not Get Your Tax Return Back Until December
Why You May Not Get Your Tax Return Back Until December Money & Credit April 29, 2022
Now that Americans have survived the most recent Tax Day, millions of people will be waiting months for the IRS…
Inherited IRA
Why You Want To Spend Your IRA Money Before You Die Investing & Retirement April 26, 2022
Prior to 2020, passing wealth from generation to generation through an IRA was a viable strategy. A family could take…
How Much House Can I Afford?
How Much House Can I Afford? Debt April 18, 2022
How much house can you afford to buy? Whether you're renting or planning to upgrade from a current home, it's…
What Is a Spousal IRA and What Are the Rules?
What Is a Spousal IRA and What Are the Rules? Investing & Retirement April 13, 2022
Did you know you can put aside thousands of dollars toward retirement each year through a spousal IRA even if…
Will Mark Cuban’s New Prescription Company Really Save You Money?
Will Mark Cuban’s New Prescription Company Really Save You Money? Deals & Savings April 12, 2022
Are you tired of overpaying for prescription medications? Do you want transparent pricing and to avoid dealing with insurance? Mark…
Should You Buy Gold Right Now?
Should You Buy Gold Right Now? Investing & Retirement March 17, 2022
Inflation in the United States reached a 40-year high in February as consumer prices surged 7.9% year-over-year. The New York…
Why You Should Never Invest With a Bank
Why You Should Never Invest With a Bank Investing & Retirement March 16, 2022
Earning interest on loans and charging fees for things such as overdrafts aren't the only way that banks make money.…
Where’s My Tax Refund? How To Check the Status of Your Tax Refund
Where’s My Tax Refund? How To Check the Status of Your Tax Refund Money & Credit March 14, 2022
What's one of the first things on your mind after you submit your tax return each year? I've got a…
Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years
Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years Investing & Retirement March 9, 2022
Let's say you're making a major purchase in the future. Perhaps you're buying a house, a car, paying for college…
Best Investments in 2022: Risks and Rewards for Popular Investment Choices
Best Investments in 2022: Risks and Rewards for Popular Investment Choices Investing & Retirement March 7, 2022
Having money beyond your day-to-day needs is great. It means that you can save and invest. It also means that…
When Should You Pay Off Your Mortgage Instead of Investing?
When Should You Pay Off Your Mortgage Instead of Investing? Investing & Retirement February 28, 2022
Should you pay down your mortgage beyond the minimum or invest instead? If you're among the 85 million American individuals…
When You Should (and Shouldn’t) Use a 529 Plan
When You Should (and Shouldn’t) Use a 529 Plan Children & Pets February 25, 2022
It's a natural inclination for parents to start thinking about a child's education as soon as their baby is born.…
Why Clark Howard Is Obsessed With Roth for Retirement Savings
Why Clark Howard Is Obsessed With Roth for Retirement Savings Investing & Retirement February 23, 2022
Money expert Clark Howard radiates enthusiasm whenever he talks about Roth IRAs and Roth 401(k)s as retirement options. "I have…