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

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I Got Approved for a Business Loan at 18%. Is There a Better Option? Business & Entrepreneurs February 19th, 2024
Starting a business is exciting. It's also the lifeblood of capitalism and a bedrock of the American economy. Money expert…
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Should I Use Schwab As My Mortgage Lender? Homes & Real Estate February 16th, 2024
When it comes to investment companies, Charles Schwab is one of Clark Howard's favorites. He considers Fidelity, Schwab and Vanguard…
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Are Donor-Advised Funds a Good Idea for Charitable Donations? Donating & Volunteering February 15th, 2024
As complex as you can make your finances, it comes down to two simple levers: income and spending. It's much…
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I’m Facing a Major Home Expense. Should I Fix It Proactively or Wait Until It Breaks? Homes & Real Estate February 14th, 2024
If you own a home, you know that your mortgage payment is far from the only expense. You tackle utility…
Understanding the pros and cons of Roth vs. traditional 401(k)s can be helpful to maximizing your retirement saving and investing strategies.
Roth vs. Traditional 401(k): What’s the Difference? Investing & Retirement February 14th, 2024
If you're enrolling in your company retirement plan, your company may offer you a choice: a Roth 401(k) or a…
A 401(k) match is an excellent feature of a workplace retirement plan that can help secure your financial future.
401(k) Match: What Is It, How It Works Investing & Retirement February 14th, 2024
If your company offers a 401(k) match, get excited. You have an opportunity to stockpile free money for your retirement.…
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I Have $20,000 in Savings and $15,000 on a Car Loan. Should I Pay Off the Loan? Debt February 13th, 2024
Resource allocation isn't just something that mega corporations contend with. Most people have assets and debts. In a finite world…
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Is an HSA the Best Way To Save for Future Medical Expenses? Health February 12th, 2024
The average American underestimates how much it will cost to pay for healthcare in retirement by an enormous sum. According…
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What Should I Do With My Pets When Traveling? Travel February 9th, 2024
Pets are a huge part of life for millions of Americans. But there are some logistics you have to figure…
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Am I Required To Comply When My Credit Card Asks For Updated Income Information? Credit Cards February 8th, 2024
Most of us have seen it at some point. You log into your credit card account and BAM! Staring you…
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Can I Access My Streaming Service Anywhere in the U.S. and Internationally? Streaming TV February 7th, 2024
Streaming services are resembling cable TV more with each passing year. We're talking bundling, comparable prices and more. But at…
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Is It Safe To Buy a Home Out of Foreclosure? Homes & Real Estate February 6th, 2024
When is the best time to buy a home? That's been one of the most consistent questions listeners have asked…
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How Can I Make Freezing a Young Person’s Credit Less Risky? Money & Credit February 5th, 2024
Clark Howard often jokes on his podcast that his answer to most of his listener's questions is Costco, Roth IRA…
When Should You Get an Accountant To Do Your Taxes?
When Should You Get an Accountant To Do Your Taxes? Money & Credit February 5th, 2024
Now that we're approaching the 2024 deadline, you may be thinking about your tax return which is due on April…
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Is Borrowing Money With Affordable Payments To Buy Nice Things Really So Bad? Debt February 1st, 2024
No one likes the real-life version of the boy who cried wolf. For example, say you're training for a marathon…
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Who Should Consider Setting Up a Trust? Money & Credit January 31st, 2024
When you prepare for the end of life, you'll probably create a will. But what about a trust? Do you…
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I Have $78,000 in Debt and Make $59,000 a Year. Should I Move in With My Parents To Save? Budgeting & Saving January 30th, 2024
Making good decisions with money when you're young is much higher stakes than it may seem. Consider compound interest, how…
The Clark-Approved Way To Invest in Real Estate
The Clark-Approved Way To Invest in Real Estate Homes & Real Estate January 30th, 2024
Investing in real estate is always a hot topic whether the housing market is booming (like in 2022) or whether…
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I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? Travel January 29th, 2024
Most of us want the best deal possible on airfare. Especially if you're traveling internationally, a round-trip ticket can sometimes…
What Is a CD Ladder and When Is It a Good Idea?
What Is a CD Ladder and When Is It a Good Idea? Banks & Banking January 22nd, 2024
One of the silver linings of historic inflation and all the Fed interest rate hikes is that for the first…
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What’s the Best Way To Exchange Dollars for Foreign Currency? And When Should I Exchange Money? Money & Credit January 22nd, 2024
Traveling internationally is one of life's greatest pleasures. It's also a statement that money expert Clark Howard fully believes. He…
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Should I Take a $700,000 Lump Sum or a $4,200 Monthly Pension? Investing & Retirement January 19th, 2024
Sometimes life is kind enough to give us win-win decisions. Would you like this or that delicious dessert at your…
Clark Howard investment guide
How to Start Investing: 10 Steps for Beginners Investing & Retirement January 19th, 2024
Money expert Clark Howard is giving you his 10-step guide to saving and investing for free, all in one place:…
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Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Travel January 18th, 2024
You want to book your next hotel room at the best possible rate. Should you make a reservation directly with…
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I Want To Liquidate Investments Instead of Taking Out a Loan for a Vehicle. How Should I Do That? Cars January 17th, 2024
Purchasing a vehicle? Generally, you have two options. You can pay the full price in cash. Or you can take…
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Should I Purchase a Prepaid Funeral Plan? Wills & Funerals January 16th, 2024
"In this world, nothing is certain except death and taxes," Benjamin Franklin once said. Neither of those certainties are popular…
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Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions? Save Money January 15th, 2024
Storage units seem like a fun idea -- and not just because of that reality show "Storage Wars." You get…
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Where Does Clark Think This Married Couple Should Travel for Adventure? Travel January 12th, 2024
No matter how much you love to travel, sometimes life gets in the way. Whether it's work, young kids or…
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Investing & Retirement January 12th, 2024
Fidelity, Vanguard and Schwab are massively popular investment companies. Money expert Clark Howard recommends all three. If you’re deciding which…
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My Teenage Daughter Just Got $2,000. Should I Open a Bank Account for Her? Investing & Retirement January 11th, 2024
Every parent must decide their philosophy on raising kids. How much discipline should you enforce? Should you make your child…