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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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 Based on My Salary?
How Much House Can I Afford Based on My Salary? 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…
Should I Finance a Car at 1.5% or Pay Cash?
Should I Finance a Car at 1.5% or Pay Cash? Budgeting & Saving February 23, 2022
Should you pay for a vehicle in cash or take advantage of low-interest financing to invest your money and out-earn…
Why Are My Credit Scores Different?
Why Are My Credit Scores Different? Credit February 21, 2022
Your credit score can be different at each of the major credit burueas: Equifax, Experian and TransUnion. Though it defies…
Can a Company Send a Bill to Collections Even if I Successfully Disputed the Charge?
Can a Company Send a Bill to Collections Even if I Successfully Disputed the Charge? Debt February 15, 2022
Being able to dispute a charge is a key component of using a credit card. It's comforting to know that…
New IRS Online Security Process: Is It Safe?
New IRS Online Security Process: Is It Safe? Money & Credit February 7, 2022
If you want to access your Internal Revenue Service (IRS) account online, soon you'll have to verify your identity through…
What Are the Tax Consequences When You Get or Leave a Huge Tip?
What Are the Tax Consequences When You Get or Leave a Huge Tip? Money & Credit February 3, 2022
If you're a fan of human interest stories, you've probably seen articless about celebrities leaving an enormous tip. And if…
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year?
Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Investing & Retirement January 31, 2022
Saving for your retirement through one of the tax-advantaged tools available in the United States offers you a major financial…
There’s Still Time To Contribute To Your IRA for 2021
There’s Still Time To Contribute To Your IRA for 2021 Investing & Retirement January 27, 2022
There's still time to contribute to your Individual Retirement Account (IRA) for 2021. The tax year ended on Dec. 31,…
Major Tax-Reporting Change for Users of Venmo, PayPal and Others
Major Tax-Reporting Change for Users of Venmo, PayPal and Others Money & Credit January 24, 2022
The Internal Revenue Service is cracking down on people who underreport earnings received through digital payment apps such as PayPal,…
Fidelity vs. Vanguard vs. Schwab is a popular choice for retail investors.
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Investing & Retirement January 21, 2022
Fidelity, Vanguard and Schwab are massively popular investment companies. Money expert Clark Howard recommends all three. If you’re deciding which…
In this Vanguard review, we'll explain why The Vanguard Group is excellent for passive investors and index funds.
Vanguard Review 2022: Pros & Cons Investing & Retirement January 21, 2022
Most Vanguard reviews focus on the firm's bread and butter: its low-cost index funds. The Vanguard Group is not a…
Best Investment Companies for Investors in 2022
Best Investment Companies for Investors in 2022 Investing & Retirement January 21, 2022
The best investment companies are good fits for almost every investor, whether you’re a beginner or you’re making exotic trades.…
When Should You Get an Accountant To Do Your Taxes?
When Should You Get an Accountant To Do Your Taxes? Money & Credit January 12, 2022
Now that 2021 is over, you may be starting to think about your tax return which is due on April…
6 Challenges To Consider if You Plan To Retire Before 65
6 Challenges To Consider if You Plan To Retire Before 65 Investing & Retirement January 11, 2022
Someone who listens to money expert Clark Howard's podcast recently asked a question about early retirement. Her husband, older than…