Theo Thimou About the author:
Theo has co-written several books with Clark Howard, including the New York Times #1 bestseller Living Large in Lean Times. As a single widowed parent of two young children, he strives to bring unique savings tips to men and women like him who must face life without their spouses. He can be reached at [email protected]
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More posts by Theo Thimou

scam mobile phone call
New Mandate Could Mean the End of Spoofed Robocalls by Next Year Phones & Mobile Devices April 6, 2020
Robocalls could be a thing of the past by next summer thanks to a new mandate from the Federal Communications…
Roth IRA and traditional IRA
Is a Roth IRA Better Than a Traditional IRA? Investing & Retirement April 3, 2020
Whether your employer offers a 401(k) option or not, an IRA makes it easy for you to save for retirement…
Social Security benefits
Ask Clark: Should I File for Social Security Now? Investing & Retirement March 26, 2020
A lot of Americans are finding themselves laid off or with hours cut back at work. If you're in your…
Saving money and loans for car concept, Young woman holding blue piggy with standing at the car parking lot background, Auto.
Ask Clark: Should You Refinance Your Auto Loan Right Now? Cars March 24, 2020
You've probably heard of refinancing your mortgage, but did you know you can also refinance your auto loan? This option…
Dollar bill with 401k image
Ask Clark: What Do I Do With My 401(k) if I Am Laid Off? Investing & Retirement March 24, 2020
When times get tough and you're out of work, you may be tempted to tap your 401(k) for living expenses.…
Car rolling over road made of dollar bills
What Do I Do if I Can’t Afford My Car Payment? Debt March 24, 2020
With the coronavirus severely impacting the economy, more and more Americans are facing furloughs or layoffs at work. That means…
mortgage refinance loan application
Should You Refinance Your Mortgage Right Now? Mortgages March 17, 2020
Are you stuck with a high mortgage payment? Maybe you've heard that rates are at historic lows and wondered if…
Investments and Retirement
Ask Clark: What Should I Do About My Investments if I’m Retiring This Year? Investing & Retirement March 13, 2020
If you're just on the cusp of retiring, you've probably been rattled by all the recent downward moves in the…
StockSelloff (2)
Should You Sell or Stay Put in the Stock Market? Investing & Retirement March 9, 2020
The topsy-turvy moves of the stock market in the last weeks have caused many investors to panic and sell their…
Smiling female school teacher sitting on a chair facing students in a classroom holding up and explaining a worksheet
What Is a 403(b) and How Does It Work? Investing & Retirement March 5, 2020
A 403(b) plan is the public school employee's equivalent of the private sector 401(k). It's a retirement account designed to…
senior couple saving money with a piggy bank
12 Ways to Save Money in Retirement Investing & Retirement March 4, 2020
Retirement can be a wonderful thing, but it doesn't necessarily come without its own set of challenges. When you no…
FamilyWize app on smartphone in the pharmacy with prescription drugs
FamilyWize Review: 5 Things to Know Before Filling a Prescription Health March 3, 2020
If you've never tried an app to help you comparison shop for prescription medications before, FamilyWize could be a good…
Personal loan agreement being signed by woman
What Is a Personal Loan and Should I Get One? Loans February 26, 2020
Have you seen an influx of personal loan offers showing up in your mailbox? These unsecured loans promise access to…
WellRx app on smartphone comparison shopping for medications and prescriptions
6 Things to Know About WellRx Health February 24, 2020
If the high cost of prescription medication has you down, you may want to give WellRx a try. The provider…
Coins stacked up and growing in value
What Is the Rule of 72 and Why Should You Care About It? Investing & Retirement February 14, 2020
Everybody loves the idea of doubling their money. But did you know there's a simple formula that can help you…
Chime Bank on a smartphone and desktop computer
Chime Bank Review: 6 Things to Know Before Opening an Account Online Banking February 13, 2020
If you're looking for an online-only bank with no hidden fees, early direct deposit and fee-free overdrafts, you might want…
Pharmacist Looking At Piggybank In Pharmacy
The Best Prescription Savings Apps to Save Money Health February 12, 2020
If you have medications in your life that cost you an arm and a leg, prescription drug apps can help…
Woman using PolicyGenius to search for insurance quotes on computer
Policygenius Review: 5 Things to Know Before Getting a Quote Insurance February 6, 2020
Policygenius promises to take the pain out of buying insurance by making the process of shopping for it simple, efficient…
Varo Bank on tablet sitting on $100 bills
6 Things to Know About Varo Bank Online Banking February 4, 2020
Want an online bank that offers a high rate of interest, no monthly fees and the ability to get your…
Medical bill from the hospital
Can a Patient Advocate Help With Your Medical Bills? Health Insurance January 28, 2020
When you're facing a debilitating or life-threatening illness, it's nice to know you have someone in your corner to help…
The Zebra homepage on a laptop computer
The Zebra Review: What You Need to Know Before Getting a Quote Insurance January 27, 2020
You might think of insurance comparison sites as just lead generation tools for insurance salespeople. But The Zebra is different.…
Retirement income
Big Changes Coming to Your Retirement Account in 2020 and Beyond Investing & Retirement January 23, 2020
If you've got a 401(k) or IRA, a brand new piece of legislation called the SECURE Act is making some…
Woman with perfect smile in a dentist office
How to Buy Individual Dental Insurance Health Insurance January 21, 2020
If you're concerned about buying dental insurance and worried about the price, you're not alone. According to WhyDental.org, more than…
Woman using smartphone to get a deal on prescription drugs at pharmacy
SingleCare vs. GoodRx: Which Is Cheaper? Health January 16, 2020
These days, the ability to save money on prescription drugs is right in the palm of your hand. That's thanks…
Lemonade Insurance screenshot
Lemonade Insurance Review: 7 Things to Know Before Getting a Quote Homeowners Insurance January 16, 2020
If you're tired of the same old experience of shopping for home or renters insurance, you may want to give…
Screenshot of Compare.com
Compare.com Review: 6 Things to Know Before Getting a Quote Car Insurance January 13, 2020
Compare.com says it lets you compare quotes from 60+ car insurance carriers to see who offers you the best deal.…
Medicine and money on wooden background. Medicine pills or capsules with money, dollar. Medical or pharmacy prescription for health. Cost of the healthy life. Expensive medicine.
8 Things to Know About Blink Health Health January 6, 2020
Feeling stretched thin by the high cost of prescriptions? Blink Health is a prescription discounter that promises low prices on…
Tax planning graphic with money
Here Are the New IRS Tax Brackets for 2020 Taxes December 12, 2019
Each year, the change of the calendar brings with it new IRS tax brackets. Here's a look at what you…
Root insurance quote on phone app
6 Things to Know About Root Insurance Car Insurance November 27, 2019
Want to save up to 52% on your car insurance? That's the promise of Root Insurance, which is doing a…
Kin insurance logo
6 Things to Know About Kin Insurance Homeowners Insurance November 25, 2019
Kin Insurance is one of several new financial technology companies that takes a digital-first approach to the process of shopping…