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

Inherited IRA
Why You Want To Spend Your IRA Money Before You Die Investing & Retirement October 18th, 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 October 24th, 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 13th, 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 Prescription Company Really Save You Money?
Will Mark Cuban’s Prescription Company Really Save You Money? Deals & Savings October 19th, 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 17th, 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 16th, 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 14th, 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 9th, 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 7th, 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 28th, 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 25th, 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 July 23rd, 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 23rd, 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 21st, 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 15th, 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 7th, 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 3rd, 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 31st, 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 27th, 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 24th, 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 March 5th, 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 February 1st, 2022
Paid non-client promotion. Clark.com receives compensation when a reader clicks "View Details" on this page. Most Vanguard reviews focus on…
Best Investment Companies for Investors in 2022
Best Investment Companies for Investors in 2022 Investing & Retirement November 4th, 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 12th, 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 11th, 2022
Someone who listens to money expert Clark Howard's podcast recently asked a question about early retirement. Her husband, older than…
How To Turn $500 a Year Into $100,000 in Retirement
How To Turn $500 a Year Into $100,000 in Retirement Investing & Retirement January 7th, 2022
Earning a giant pile of money is one way to prepare for retirement. But it's not realistic for everyone. Fortunately,…
Buying on margin can lead to financial ruin quickly, money expert Clark Howard says.
You Need To Avoid This Investment Mistake: It’s Dangerous! Investing & Retirement June 13th, 2022
American investors owed nearly $1 trillion in margin debt at one point in 2021, leaving money expert Clark Howard shaking…
Your company 401(k) plan fees can make a big difference in how much sense it makes to participate in the plan beyond securing the company match.
Why You Need To Know Your Company 401(k) Fees Investing & Retirement January 3rd, 2022
Enrolling in a 401(k) plan is like getting hold of a cheat code for retirement: Not only is it tax-advantaged,…
The FSA spending rules may be different in 2021. Depending on your company, you may be able to roll over all your FSA funds into the new year.
Why You May Not Need To Spend Your Entire FSA This Year Health Insurance December 20th, 2021
If you walk into a retail pharmacy chain, you may be convinced that you have to spend every dollar you…
Is There a Safe Way To Invest in Real Estate?
Is There a Safe Way To Invest in Real Estate? Homes & Real Estate July 1st, 2022
You've decided to invest in real estate. Now what? Real estate has been a hot commodity of late, generating some…