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
Will Collecting Numerous Credit Cards Hurt My Credit Score in the Long Run? Credit Cards February 2nd, 2023
How many credit cards should I have? It's a common question. For as long as credit scores have existed, the…
Ask Clark money column
Why Has Tesla’s Reputation Become Negative? Should I Avoid Buying One? Cars February 1st, 2023
Tesla's public perception has collapsed in the last eight months. The electric vehicle company, seemingly the stock market and tech…
Ask Clark money column
Should I Avoid Southwest Airlines After Their Massive Holiday Cancellation Disaster? Travel January 31st, 2023
Southwest Airlines canceled nearly 17,000 flights and lost about $800 million in December in what can only be described as…
Ask Clark money column
Can You Avoid Paying Extra for the Convenience of Grocery Delivery? Shopping & Retail January 30th, 2023
Shopping. Food. Groceries. You can get almost anything delivered to your doorstep these days. Often inside an hour. That sort…
Ask Clark money column
What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature? Investing & Retirement January 20th, 2023
Vanguard slowly rolled out Cash Deposit in 2022, an FDIC-insured interest-bearing account for its customers. The massive discount broker, known…
Ask Clark money column
Where Should I Look for a Great Deal on a Cruise in 2023? Travel January 18th, 2023
Now that the holidays are over, many people are thinking about travel plans for 2023. Feel like hitting the seas…
Ask Clark money column
Do You Need a Separate Checking Account for Your Side Hustle? Taxes January 17th, 2023
It's common for people to seek additional income outside of their full-time job. Many times, that's through part-time work as…
Ask Clark money column
We Just Got Married. How Do We Blend Our Finances? Money & Credit January 16th, 2023
Research consistently finds that financial compatibility and harmony is one of the biggest predictors of long, happy marriages. So when…
Ask Clark money column
I Can’t Afford My Variable Life Insurance Policy. Can I Sell It? Insurance January 13th, 2023
If you've listened to money expert Clark Howard for any period of time, you probably know how much he prefers…
Ask Clark money column
Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Investing & Retirement January 12th, 2023
Most of us have dreamed about suddenly receiving a large pile of money. But, if you're financially responsible, you may…
Ask Clark money column
Should We Worry About the National Debt and Budget Deficits? Money & Credit January 11th, 2023
The United States is a country known for spending money. We're a nation with a culture that encourages buying, even…
Ask Clark money column
Can Married Couples Get Joint Access To Utility, Mortgage and Investment Accounts? Money & Credit January 10th, 2023
So you're combining your finances with a spouse or family member. It can be a frustrating and inconvenient process that…
Ask Clark money column
How Do I Use All the Funds on My Virtual Gift Card? Money & Credit January 9th, 2023
The holiday season is prime gift-giving time. But many of us are guilty of turning to gift cards for some…
Ask Clark money column
What Should You Think About Home-Buying Companies Willing To Pay Cash for As-Is Properties? Homes & Real Estate January 6th, 2023
Mortgage rates are soaring at a time when inflation, a stock market decline and a slowing job market have pressured…
Ask Clark money column
Should I Buy Insurance for Nice Sunglasses? Insurance January 5th, 2023
If you've gone on vacation in a sunny place, you drive often when the sun is rising or setting or…
Ask Clark money column
When Is the Best Time of Year To Buy Tires? Cars January 4th, 2023
No one wants to be stuck driving a worn-out set of tires and putting anyone in danger. If you need…
Ask Clark money column
Are Swimming Pools Becoming Affordable Again? Homes & Real Estate January 3rd, 2023
The onset of the COVID-19 pandemic in the United States in 2020 caused a massive shift in culture, business and…
Ask Clark money column
What Is a CD Ladder and When Is It a Good Idea? Banks & Banking January 2nd, 2023
One of the silver linings of historic inflation and all the Fed interest rate hikes is that for the first…
Ask Clark money column
Should I Refinance My Student Loans? And Does It Matter If I Want To Buy a House Soon? Loans December 23rd, 2022
Interest rates are as high as we've seen since 2007. Combined with the velocity at which the Fed has raised…
Ask Clark money column
Which Organization Offers Better Benefits, AARP or AAA? Travel December 22nd, 2022
Money expert Clark Howard, Team Clark and our audience all love discounts. Whether it's a membership to Costco, Clark's favorite…
Ask Clark money column
Should I Buy Additional Insurance From a Rental Car Company? Travel December 21st, 2022
You know that if you own a car, you need car insurance to protect yourself and comply with state law.…
Ask Clark money column
Will I Lose Out on Interest If I Move Money Between Savings Accounts Multiple Times Per Month? Banks & Banking December 20th, 2022
Back in the dark ages of savings accounts, a scant 11 months ago, the Federal interest rate was effectively zero.…
Ask Clark money column
Can I Invest Through My HSA While Still Remaining Liquid? Investing & Retirement December 19th, 2022
An HSA, or a Health Savings Account, can be one of the most exciting financial tools if you know how…
Ask Clark money column
When Should I Book My Flight From Atlanta to Europe? Travel December 7th, 2022
Money expert Clark Howard owned, operated and sold travel agencies early in his career. To this day, he's a frequent…
Ask Clark money column
Should I Invest or Pay Off My Student Loans? Debt December 6th, 2022
Compound interest is one of the most exciting, powerful and remarkable forces in finance. Given enough time, a modest amount…
Ask Clark money column
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,…
Ask Clark money column
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…
Ask Clark money column
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…
Ask Clark money column
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…
Ask Clark money column
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…