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

The Dividend Aristocrats are some of the best dividend stocks because they've raised their dividend for at least 25 consecutive years.
What Are Dividend Stocks and Should You Invest in Them? Investing & Retirement July 28th, 2021
Is building a dividend portfolio a good idea, and what are the best dividend stocks? In this article, I'll tell…
Clark Howard names the best 529 savings plans by state.
Best 529 College Savings Plans By State Investing & Retirement July 21st, 2021
A 529 savings plan gives you a tax-free way to invest for your child's education. But what are the best…
Is it worth opening a high-interest savings account if you have to meet certain conditions?
High-Interest Savings Accounts With Conditions: Are They Worth It? Investing & Retirement July 21st, 2021
We're in the midst of a long stretch of historically low interest rates. Getting much more than 0.50% APY in…
Compound interest can turn you into a millionaire with a little patience and persistance.
How To Turn $100 a Week Into $1 Million With Compound Interest Investing & Retirement May 11th, 2022
Compound interest is one of the most exciting financial phenomena. Why? It's earning interest on interest! Get 10% in annual…
Lemonade Insurance review: How does it work, how much does it cost and more.
Lemonade Insurance Review: How It Works, Coverage Options Car Insurance July 20th, 2022
Lemonade isn't just a sweet drink that's perfect for summer. It's also the name of a relatively new insurance company…
Money expert Clark Howard doesn't like investing in individual stocks.
Clark’s Take: Should You Invest in Stocks at All? Investing & Retirement July 12th, 2021
Money expert Clark Howard isn't a fan of investing in individual stocks. Clark thinks putting an outsized percentage of your…
Wells Fargo just stopped offering a personal line of credit to any of its customers.
Wells Fargo Is Closing All Personal Lines of Credit Banks & Banking July 11th, 2021
In a move that surely will make a negative impact on the credit score of some of its customers, Wells…
Use a compound interest calculator to figure out how much money you'll be able to make on your savings and investments.
How To Calculate Compound Interest Investing & Retirement July 9th, 2021
Whoever came up with the phrase, "It takes money to make money," was probably a big fan of compound interest.…
ETF vs. mutual fund may seem trivial but comes with serious tax implications.
ETF vs. Mutual Fund: Which Investment Is Better? Investing & Retirement July 1st, 2021
The difference between an ETF vs. a mutual fund may seem trivial, as both are available as part of professionally-managed…
Unusual temporary inflation usually isn't that bad for the economy, although retirees relying on social security can get hurt.
How Retirees Can Combat Inflation Investing & Retirement December 1st, 2021
Inflation rose to 6.2% in October, the highest level that United States consumers have experienced since 1990. Since inflation erodes…
A mutual fund is a popular retirement investment type that can get you quick access to a diversified portfolio.
What Is a Mutual Fund? Investing & Retirement June 22nd, 2021
A mutual fund is an investment vehicle that gives you access to a diversified, professionally-managed portfolio. In this article, I'll…
An ETF, or exchange-traded fund, is an investment similar to a mutual fund but trades like a stock.
What Is an ETF? Investing & Retirement June 18th, 2021
An ETF, or exchange-traded fund, is a type of investment that you buy and sell through a stock exchange or…
Clark Howard's favorite target date funds are Fidelity, Schwab and Vanguard.
Best Target Date Funds: 3 Top Picks Investing & Retirement June 17th, 2021
The best target date funds offer a one-stop solution for low-cost retirement investing. In this article, I'll highlight the target…
Ally Bank eliminated overdraft fees for all of its customers in June 2021.
Ally Bank Eliminates Overdraft Fees Banks & Banking June 14th, 2021
Ally Bank has stopped charging overdraft fees to any of its customers. Ally temporarily waived some overdraft fees starting in…
Becoming a 401(k) millionaire is more attainable than you may realize.
How To Retire a Millionaire With a 401(k) Plan in 22 Years Investing & Retirement May 4th, 2022
Funding your retirement is one of the most important financial goals you'll ever pursue. But it can seem daunting, especially…
401(a) vs. 401(k): What's the difference between these workplace retirement plans?
What Is a 401(a) and How Is It Different From a 401(k)? Investing & Retirement June 7th, 2021
A 401(a) retirement plan is much less common and more quirky than a 401(k). However, there are many similarities between…
A SIMPLE IRA is a workplace retirement plan for small businesses that is more restrictive than a solo 401(k) or a SEP IRA.
What Is a SIMPLE IRA and How Does It Work? Investing & Retirement May 27th, 2021
A SIMPLE IRA is a type of retirement plan available to small businesses with 100 or fewer employees. Because of…
What is an annuity? A contract between you and an insurance company designed to provide you steady income in retirement.
What Is an Annuity, and Why Does Clark Think They Stink? Insurance August 9th, 2022
Money expert Clark Howard is passionate about many financial topics. But it's hard to find something that gets him more…
You can become an IRA millionaire by making the maximum contribution allowed every year for more than three decades.
How To Use an IRA To Become a Millionaire Investing & Retirement May 6th, 2022
Money expert Clark Howard thinks that beyond supporting yourself, saving and investing for retirement should be your most important financial…
What Is a Solo 401(k) and How Does It Work?
What Is a Solo 401(k) and How Does It Work? Investing & Retirement May 7th, 2021
A solo 401(k) is a retirement plan for the self-employed. If you're a business owner, a solo 401(k) is a…
Hybrid robo-advisor vs. full-service financial advisor: Which investing option is best for you?
Full-Service Financial Advisor vs. Hybrid Robo-Advisor: What’s Best for Me? Investing & Retirement April 30th, 2021
Money expert Clark Howard often recommends Vanguard Personal Advisor Services (PAS) to people who want to hire a financial advisor.…
The Rule of 55 allows you to withdraw 401(k) funds before age 59½.
The Rule of 55: What Is It, How It Works Investing & Retirement January 9th, 2023
If you're thinking about early retirement, it may be important for you to understand the Rule of 55 for 401(k)…
A SEP IRA is a great retirement plan for those who earn self-employment income.
What Is a SEP IRA and Who Is Eligible? Investing & Retirement April 28th, 2021
If you're self-employed, contributing to a SEP IRA may be a great way to fund your retirement. In this article,…
According to the IRA withdrawal rules, you can avoid an early withdrawal penalty by waiting until 59½ to take out your money.
IRA Withdrawal Rules: Early Withdrawal Penalty & Exceptions Investing & Retirement April 26th, 2021
If you're funding your retirement through an Individual Retirement Account (IRA), you'll want to know the IRA withdrawal rules to…
The 401(k) withdrawal rules dictate when you can take money out of your 401(k) without paying an early withdrawal penalty.
401(k) Withdrawal Rules: Early Withdrawal Penalty & Exceptions Investing & Retirement April 26th, 2021
If you're thinking of retiring -- especially if you’re considering retiring early -- it's important to understand the 401(k) withdrawal…
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 April 21st, 2021
If your company offers a 401(k) match, get excited. You have an opportunity to stockpile free money for your retirement.…
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 May 4th, 2022
If you're enrolling in your company retirement plan, your company may offer you a choice: a Roth 401(k) or a…
IRA vs. 401(k): Both of the major retirement plan tools have strengths and weaknesses, but money expert Clark Howard holds a clear opinion.
IRA vs. 401(k): Which Is Better? Investing & Retirement June 4th, 2021
If you're contributing to a retirement account in the United States, you've probably debated IRA vs. 401(k) at some point.…
Hybrid financial advisors are a favorite of money expert Clark Howard for investors of all kinds.
Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity Investing & Retirement April 19th, 2021
Are you looking for a financial advisor? Money expert Clark Howard loves to recommend the hybrid advisor options from Vanguard,…
Learn the 401(k) contribution limits for 2021 so you avoid any potential tax headaches.
401(k) Contribution Limits for 2021 Investing & Retirement April 16th, 2021
A workplace 401(k) plan can help you save a substantial amount of money for your retirement. But how much, exactly?…