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Carl Sullivan | May 1, 2026 at 9:49 AM EDT

Is 18 Credit Cards Too Many? What Clark Howard Thinks

Is 18 credits cards too many? What about 30? A California listener named Perry called into The Clark Howard Podcast…

Carl Sullivan | May 1, 2026 at 9:47 AM EDT

A Bad Job Market Is Radicalizing College Grads and Changing the Workforce

The American dream of graduating from college and landing a great job isn’t the reality in 2026. Recent college graduates…

David Beren | May 1, 2026 at 9:44 AM EDT

The 13.4% Debt Ratio That Fooled America

The Federal Reserve’s 2022 Survey of Consumer Finances, the most recent triennial snapshot of household balance sheets, reported that the…

David Beren | May 1, 2026 at 9:43 AM EDT

Homeowners Gained 44% in Housing Wealth While New Buyers Face the Worst Affordability Since 2007

The Federal Reserve’s 2022 Survey of Consumer Finances captured a housing market split into two Americas. For homeowners, the three…

Carl Sullivan | May 1, 2026 at 7:49 AM EDT

Clark Howard’s Clear Eyed Advice About What to Do With an HSA After a Job Change

Margaret recently phoned into The Clark Howard Podcast, wondering what to do with the Health Savings Account (HSA) left behind…

Drew Wood | May 1, 2026 at 4:53 AM EDT

Why Your Retirement Age Does Not Matter (But This Number Does)

Most people walk into a retirement conversation asking the wrong question. They want to know whether 62, 65, or 67…

Maurie Backman | May 1, 2026 at 4:19 AM EDT

Interest Rate Pause Leaves Social Security Unchanged—but Could Shape Future COLAs

When the Federal Reserve opted to hold interest rates steady in April, it didn’t necessarily come as a huge…

Maurie Backman | May 1, 2026 at 3:37 AM EDT

How the Fed’s Interest Rate Decision Will Impact Your Social Security Checks This Month

The Federal Reserve made headlines in April by choosing to hold interest rates steady, extending an ongoing pause. Of course,…

Drew Wood | Apr 30, 2026 at 9:49 PM EDT

How Much Do You Really Need Invested to Replace a $75,000 Salary With Dividends?

Replacing a $75,000 salary with dividends means replacing a real skilled-worker paycheck, the kind earned by many nurses, electricians, accountants,…

Drew Wood | Apr 30, 2026 at 9:49 PM EDT

How Much Do You Really Need Invested to Replace a $120,000 Salary With Dividends?

A $120,000 salary is not ordinary paycheck territory. It puts a household near the upper tier of American earners, high…

David Beren | Apr 30, 2026 at 9:10 PM EDT

73% of Americans Chasing Quick Gains Admit They Feel Financially Behind

Speculative assets have moved well past the fringe in 2026. Prediction markets, sports betting platforms, and cryptocurrencies are now part…

Omor Ibne Ehsan | Apr 30, 2026 at 9:03 PM EDT

K-Shaped and Cracking: Stocks Hit All-Time Highs as Consumer Sentiment Posts Lowest Score in History

The SPY closed Wednesday near $711.58, and the University of Michigan consumer sentiment index just printed 48, the lowest reading…

Drew Wood | Apr 30, 2026 at 8:08 PM EDT

For a $2.4 Million Retiree, the Sequence of Returns in Years 1-3 Matters More Than Total Savings

Two retirees, same $2.4 million starting balance, same 7% average annual return over 20 years, same $96,000 annual withdrawal. One…

Drew Wood | Apr 30, 2026 at 5:24 PM EDT

How Much Do You Really Need Invested to Replace a $50,000 Salary With Dividends?

A $50,000 paycheck is close to what many American workers actually earn. The Census Bureau reported 2024 median earnings of…

David Beren | Apr 30, 2026 at 9:41 AM EDT

The 401(k) Paradox: Record Highs Mask a Growing Financial Crisis for Millions

Vanguard's 2025 How America Saves report describes a 401(k) landscape that appears healthy on the surface yet strained beneath. The…

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Personal Finance Articles

All Personal Finance Articles

Is 18 Credit Cards Too Many? What Clark Howard Thinks

A Bad Job Market Is Radicalizing College Grads and Changing the Workforce

The 13.4% Debt Ratio That Fooled America

Homeowners Gained 44% in Housing Wealth While New Buyers Face the Worst Affordability Since 2007

Clark Howard’s Clear Eyed Advice About What to Do With an HSA After a Job Change

Why Your Retirement Age Does Not Matter (But This Number Does)

Interest Rate Pause Leaves Social Security Unchanged—but Could Shape Future COLAs

How the Fed’s Interest Rate Decision Will Impact Your Social Security Checks This Month

How Much Do You Really Need Invested to Replace a $75,000 Salary With Dividends?

How Much Do You Really Need Invested to Replace a $120,000 Salary With Dividends?

73% of Americans Chasing Quick Gains Admit They Feel Financially Behind

K-Shaped and Cracking: Stocks Hit All-Time Highs as Consumer Sentiment Posts Lowest Score in History

For a $2.4 Million Retiree, the Sequence of Returns in Years 1-3 Matters More Than Total Savings

How Much Do You Really Need Invested to Replace a $50,000 Salary With Dividends?

The 401(k) Paradox: Record Highs Mask a Growing Financial Crisis for Millions

Live Nasdaq Composite: Tech Stocks Retreat on Geopolitical Tensions, Oil Climbs Higher

Alphabet’s $1 Trillion Ad Dominance Is Facing New Threats

Buy, Sell or Hold: My View On Microsoft As AI Capex Costs Rise

The Average Retiree Household Spends $65,354 a Year. Social Security Covers About Half. Here’s What Covers the Rest.

The Average Retiree Household Spends $65,354 a Year. Social Security Covers About Half. Here's What Covers the Rest.

His T-Bills Now Pay More Than His Old Salary. Only One Kind of Income Can Shrink His Social Security Check.

Alphabet’s $1 Trillion Ad Dominance Is Facing New Threats

Buy, Sell or Hold: My View On Microsoft As AI Capex Costs Rise

Personal Finance Articles

All Personal Finance Articles

Is 18 Credit Cards Too Many? What Clark Howard Thinks

A Bad Job Market Is Radicalizing College Grads and Changing the Workforce

The 13.4% Debt Ratio That Fooled America

Homeowners Gained 44% in Housing Wealth While New Buyers Face the Worst Affordability Since 2007

Clark Howard’s Clear Eyed Advice About What to Do With an HSA After a Job Change

Why Your Retirement Age Does Not Matter (But This Number Does)

Interest Rate Pause Leaves Social Security Unchanged—but Could Shape Future COLAs

How the Fed’s Interest Rate Decision Will Impact Your Social Security Checks This Month

How Much Do You Really Need Invested to Replace a $75,000 Salary With Dividends?

How Much Do You Really Need Invested to Replace a $120,000 Salary With Dividends?

73% of Americans Chasing Quick Gains Admit They Feel Financially Behind

K-Shaped and Cracking: Stocks Hit All-Time Highs as Consumer Sentiment Posts Lowest Score in History

For a $2.4 Million Retiree, the Sequence of Returns in Years 1-3 Matters More Than Total Savings

How Much Do You Really Need Invested to Replace a $50,000 Salary With Dividends?

The 401(k) Paradox: Record Highs Mask a Growing Financial Crisis for Millions

Live Nasdaq Composite: Tech Stocks Retreat on Geopolitical Tensions, Oil Climbs Higher

Alphabet’s $1 Trillion Ad Dominance Is Facing New Threats

Buy, Sell or Hold: My View On Microsoft As AI Capex Costs Rise

The Average Retiree Household Spends $65,354 a Year. Social Security Covers About Half. Here’s What Covers the Rest.

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The Average Retiree Household Spends $65,354 a Year. Social Security Covers About Half. Here's What Covers the Rest.

His T-Bills Now Pay More Than His Old Salary. Only One Kind of Income Can Shrink His Social Security Check.