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

We'll explain the differences between the four types of term life insurance companies.
4 Types of Term Life Insurance Companies Explained Life Insurance October 14, 2020
Gaining access to more tools and options is great for you as a consumer. When it comes to shopping for…
Credit unions vs. banks: Clark.com weighs the pros and cons and explains the differences.
Credit Union vs. Bank: What’s the Difference? Banks & Banking October 8, 2020
Pitting credit unions vs. banks in a side-by-side comparison can be a little like spotting identical twins at the mall.…
Robinhood reviews are nuanced because of the many layers involved with judging the company that has further democratized investing.
Robinhood Review: Pros, Cons & Who Should Use It Investing & Retirement October 7, 2020
Robinhood has democratized investing, making it affordable for people of any age and income. It offers free stock trading and…
Clark.com will explain what a credit union is and how it works.
What Is a Credit Union? Banks & Banking September 28, 2020
Credit unions are member-owned organizations that offer traditional banking services. They're legally structured to put people before profits. As such,…
Clark.com will explain what a savings account is and how it works.
What Is a Savings Account? Banks & Banking September 23, 2020
A savings account gives you a safe, accessible place to put money that you don't need for daily expenses. It…
Clark.com explains what a checking account is.
What Is a Checking Account? Banks & Banking September 18, 2020
A checking account is a bank account that gives you easy, daily access to your money through deposits, withdrawals and…
Our Stickr.co review looks at whether the company is a scam and how much money you can make.
Stickr.co Review: How It Works and How Much You Can Earn Make Money September 11, 2020
Let's review Stickr.co, which promises that you can earn passive income every month by allowing companies to advertise on the…
Learn how to open a bank account with no deposit.
How to Open a Bank Account With No Deposit Banks & Banking September 8, 2020
Have you been looking to open a bank account but have no money to get started? There are some ways…
Icon of a figure excited after taking the steps to open a bank account with bad credit
How to Open a Bank Account With Bad Credit Banks & Banking August 25, 2020
Unless you stuff all your cash under your mattress or convert it into precious metals, it's likely that you'll need…
Open a new bank account by following these 6 steps.
How to Open a Bank Account in 6 Easy Steps Banks & Banking August 11, 2020
It's faster and easier than ever to open a bank account. You can choose from an abundance of options. And…
Target Date Funds vs Index Funds
Target Date Funds vs. Index Funds: Which Are Better for You? Investing & Retirement July 10, 2020
Money expert Clark Howard is a huge proponent of target date funds as a way to invest for retirement. He…
Fractional Shares
What Are Fractional Shares and Where Can I Buy Them? Investing & Retirement July 7, 2020
Fractional shares allow investors to create a diversified portfolio of stocks and ETFs without needing much capital. In this article,…
index funds investing concept on $100 bills
What Are Index Funds? Investing & Retirement July 1, 2020
Index funds are among the most popular retirement investments. But exactly what are they, and what are the best index…
Haven Life offers a variety of term life insurance products where you shop entirely only and typically don't need a medical exam to get a policy.
Haven Life Insurance Agency Review: How It Works Life Insurance June 18, 2020
If you want the stability of a legacy insurance company and the user experience of a direct-to-consumer digital brand, Haven…
Roth vs. traditional IRA is a decision that you'll face if you want to fund a retirement account outside of work.
Roth IRA vs. Traditional IRA: What’s the Difference? Investing & Retirement April 3, 2020
If you're funding an Individual Retirement Account, your first decision will be a Roth vs. traditional IRA. But what's a…
StockSelloff (2)
Should You Sell or Stay Put in the Stock Market? Investing & Retirement March 9, 2020
The stock market is incredibly difficult to predict in the short term. The market will decline on plenty of days,…
Chime Bank on a smartphone and desktop computer
Chime Review: Pros & Cons of the Bank Challenger Online Banking February 13, 2020
Chime provides fee-free online banking services through a well-received mobile app. Money expert Clark Howard likes online-only banks because they…
Policygenius is an independent insurance broker that can quote you for term life insurance and home/auto insurance bundles from a variety of leading companies.
Policygenius Review: What to Know Before Getting Quotes Insurance February 6, 2020
Shopping for term life insurance can seem intimidating. It's time-consuming and you're relying on your own judgment in an area…
Here are the best free checking accounts in 2020 according to Clark.com.
8 Best Free Checking Accounts in 2021 Banks & Banking January 14, 2020
The best checking accounts in 2021 are free, and most offer perks to their customers. If you're looking for a…
Bestow Life Insurance Review
Bestow Life Insurance Review: Pros and Cons Life Insurance September 24, 2019
Bestow's claim to fame is that it offers term life insurance with no medical exam — ever. It is among…
The key parts of a 401(k) retirement plan include a company match, 401(k) contribution limits, withdrawal rules and traditional vs. Roth 401(k) plans.
401(k) Guide: What Is a 401(k) Plan and How Does It Work? Investing & Retirement August 14, 2019
You've probably heard of a 401(k) retirement plan. You may even contribute to a 401(k) plan at work. Even so,…
Term life vs. whole life insurance is an easy choice once you understand the differences.
Term Life vs. Whole Life Insurance: Understanding the Difference Life Insurance August 9, 2019
Buying life insurance sounds like a complicated decision, but most people can start shopping by making a simple comparison: term…
Required Minimum Distributions: How To Calculate, Rules
Required Minimum Distributions: How To Calculate, Rules Investing & Retirement July 29, 2019
Once you turn 72, the IRS expects you to take Required Minimum Distributions (RMDs) from your retirement accounts each year.…
Roth 401(k) versus traditional 401(k)
What Is a Roth 401(k) and How Does It Work? Investing & Retirement June 21, 2019
If you’re a follower of money expert Clark Howard’s investment philosophies and the term “Roth 401(k)” doesn't already make you…
How to Buy Term Life Insurance
How to Buy Term Life Insurance in 7 Easy Steps Life Insurance June 14, 2019
If people depend on you financially, you probably need to buy term life insurance. In this article, I’ll teach you…
Best Investment Companies for Investors in 2021
Best Investment Companies for Investors in 2021 Investing & Retirement April 30, 2019
The best investment companies are good fits for almost every investor, whether you’re a beginner or you’re making exotic trades.…
best life insurance family image
The Best Term Life Insurance Companies Life Insurance April 12, 2019
If you provide for anyone financially, you may worry about what would happen to them if you died. Buying a…
Calendar with date circled and 'Retire!' written on it
Target Date Funds: Clark’s Favorite Retirement Investment Investing & Retirement April 10, 2019
Target date funds are the “easy button” for retirement investing. They can take the confusion and research out of investing…
Clark.com ranks the best online banks, taking free checking and high-interest savings accounts into consideration.
Best Online Banks: Free Checking and High-Interest Savings Accounts Online Banking December 3, 2018
The best online banks charge you fewer fees and pay you more interest. If you don’t mind doing your banking…
no medical exam life insurance
How to Get Term Life Insurance With No Medical Exam Insurance March 8, 2018
You can get life insurance with no medical exam. If that’s appealing to you, make sure you understand how these…