01.17.25 Clark Answers His Critics On Clark Stinks / Maximize Your Savings The Clark Howard podcast

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Artificial intelligence is evolving at an unprecedented pace—what does that mean for the future of technology, venture capital, business, and even our understanding of ourselves? Award-winning journalist and writer Anil Ananthaswamy joins us for our latest episode to discuss his latest book Why Machines Learn: The Elegant Math Behind Modern AI . Anil helps us explore the journey and many breakthroughs that have propelled machine learning from simple perceptrons to the sophisticated algorithms shaping today’s AI revolution, powering GPT and other models. The discussion aims to demystify some of the underlying mathematical concepts that power modern machine learning, to help everyone grasp this technology impacting our lives–even if your last math class was in high school. Anil walks us through the power of scaling laws, the shift from training to inference optimization, and the debate among AI’s pioneers about the road to AGI—should we be concerned, or are we still missing key pieces of the puzzle? The conversation also delves into AI’s philosophical implications—could understanding how machines learn help us better understand ourselves? And what challenges remain before AI systems can truly operate with agency? If you enjoy this episode, please subscribe and leave us a review on your favorite podcast platform. Sign up for our newsletter at techsurgepodcast.com for exclusive insights and updates on upcoming TechSurge Live Summits. Links: Read Why Machines Learn, Anil’s latest book on the math behind AI https://www.amazon.com/Why-Machines-Learn-Elegant-Behind/dp/0593185749 Learn more about Anil Ananthaswamy’s work and writing https://anilananthaswamy.com/ Watch Anil Ananthaswamy’s TED Talk on AI and intelligence https://www.ted.com/speakers/anil_ananthaswamy Discover the MIT Knight Science Journalism Fellowship that shaped Anil’s AI research https://ksj.mit.edu/ Understand the Perceptron, the foundation of neural networks https://en.wikipedia.org/wiki/Perceptron Read about the Perceptron Convergence Theorem and its significance https://www.nature.com/articles/323533a0…

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03.07.25 Clark Answers His Critics on Clark Stinks / A Daylight Savings Time Assignment 38:37

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - this weekend marks daylight savings time, and Clark has an important assignment for you that can help ensure your insurance works better for you. Clark Stinks : Segments 1 & 2 Walk & Talk Home Video: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Free File Fillable Forms | Internal Revenue Service What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule Google Fi Review: My Experience as a 6-Year Customer (Pros and Cons) Lightbox lab-grown diamond jewelry. Bringing light to life. Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark Howard's 5-Point Annual Checklist You Should Follow Protect Your Belongings by Videotaping Them Once a Year What Can I Safely Use for Peer-to-Peer Payments? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Shipping Costs at the Post Office Just Went Up Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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03.05.25 Most Affordable States / What To Know About Tariffs 36:37

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Clark shares data showing how far your dollars will go in retirement depending on where you live in the country. The differences from state to state, even within the same region - are remarkable. Also - Clark discusses how tariffs affect the economy and what to prepare for as consumers and as workers The Cost Of Living By State: Segment 1 Ask Clark: Segment 2 Tariffs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mapped: How Far $1 Million Gets You in Retirement, by U.S State How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Are Money Market Funds a Safe Place To Stash My Savings? Vanguard Review: Pros & Cons / Vanguard Personal Advisor Review What Is a Fiduciary Financial Advisor and Do I Need One? What Are Index Funds? What Is an Annuity, and Why Does Clark Think They Stink? Clark's Updated Way To Shop for Car Rental Deals Cheapest Way to Rent a Car: Expert Tips 17 of the Best High-Yield Online Savings Accounts in February 2025 High-Yield Savings Account (HYSA) Calculator Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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03.04.25 Ask An Advisor With Wes Moss - 10 Habits of the Happiest Retirees 39:21

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10 Habits of the Happiest Retirees Are you dreaming of a truly happy retirement? Fiduciary financial advisor Wes Moss reveals the 10 key habits of those who are living their best post-work lives, based on years of research. In today’s Ask an Advisor episode, Wes dives into both the financial and lifestyle choices that make all the difference. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask . We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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03.03.25 The Consumer Financial Protection Bureau / Warehouse Club Competition 35:40

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Team Clark has long advised consumers in difficulty with financial institutions to file a complaint at ConsumerFinace.gov . Clark gives his take on what is currently happening with the Consumer Financial Protection Bureau and how they have served people in the past. Also today - Clarkies know how much Clark loves Costco. But it seems that lots of people love another warehouse club even more. The Consumer Financial Protection Bureau: Segment 1 Ask Clark: Segment 2 Survey: Warehouse Club Satisfaction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Credit Card Fees Tax Deductible? Elliot Report - TEMU Customer Service Contacts Best Travel Credit Cards: Top Rewards Picks for 2025 The Platinum Card® from American Express Review: Is It Worth It? Is Chase Sapphire Reserve® Worth It? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Capital One Venture X Business: 5 Things To Know Costco Was Just Dethroned As the Top Warehouse Club for Customer Service 5 Reasons Sam's Club Is Better Than Costco What Are Index Funds? / What Is an ETF? This Simple Maintenance Schedule Will Make Your Car Last Longer Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.28.25 Mindful Dining / Warning: Pseudo Health Insurance 30:08

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Money doesn’t mean much without health and well-being, and Americans are enjoying one life’s simple pleasures less and less. We know what a hazardous distraction phones can be while driving. But a new study shows this and other distractions impact one’s ability to disconnect and focus on enjoying healthy meals - more important to health than we realize. Also today, a cautionary tale about health insurance plans that don’t comply with the ACA. Banish Phone Distraction: Segment 1 Ask Clark: Segment 2 Non-Compliant Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Time and Place To Buy a TV ClarkDeals - The best deals on TVs available now Health Plans That Don’t Comply with the ACA Put Consumers at Risk How and When To Cancel a Credit Card Should You Buy an Extended Warranty on Your Car? Best Budgeting Apps in 2025: Our Top 6 Rocket Money Review: 6 Things To Know Before You Sign Up Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Sponsor: Surfshark Surfshark Alternative Number : your online identity safeguard with Surfshark Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.26.25 Manage Junk Calls, Texts & Emails / Water Shortage Ingenuity 33:36

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Remember when Spam was something that just came in a can? Now, it’s an annoyance that shows up on our phones and in our inboxes on a daily basis. Know how to manage these attempts at fraud. Also today, a follow-up on something Spain is doing that shows huge promise for water supplies around the world. SPAM: A Lot!: Segment 1 Ask Clark: Segment 2 Water Supply Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Stop Spam Calls for Good How To Stop and Report Spam Emails How To Recognize and Report Spam Text Messages Unwanted Calls | Consumer Advice / Do not call map Capital One Venture X Business: 5 Things To Know Best Travel Credit Cards: Top Rewards Picks for 2025 Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now Highest Cash Back Credit Card Calculator Homeowners Insurance Archives - Clark Howard US engineers turn salty seawater into drinking water with new cheap method 401(k) Rollover: How To Roll Over a 401(k) 10 Retirement Rule Changes for 2025 & Beyond How To Save Money on Gas: 23 Ways Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.25.25 Ask An Advisor With Wes Moss 43:10

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How much money do you need to retire? Fiduciary financial advisor Wes Moss outlines two straightforward methods to determine the amount you'll need for a comfortable retirement. Wes walks you through factoring in income streams like Social Security and pensions, alongside your individual spending goals, to arrive at your target number. Also, "doom and gloom" headlines can often dominate financial news. Should you listen? Wes shares his perspective. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 25, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask . Mentioned on the show: Calculators - Clark Howard We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.24.25 Protecting Financial Accounts / TRAVEL: Navigating Rising Airfares 32:30

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Today, Clark recommends a simple measure we can take to help protect our financial accounts, and those of our aging loved ones, from fraud. Also - many are looking to book their summer travel, and the airlines are raising prices . Clark shares strategies to bend that price curve in your favor. Trusted Contacts: Segment 1 Ask Clark: Segment 2 Navigating Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Name a Trusted Contact How to protect yourself against financial exploitation - Vanguard How To Cancel & Get Rid of PMI Earlier What's the difference between PMI and MIP? National Association of Enrolled Agents Best 529 College Savings Plans By State Clark Howard’s Airfare Price Predictions for 2025 Follow Clark Howard's #1 Rule To Travel Cheap NYTimes: Prices: A Mixed Outlook on Flights, Hotels and Cruises Coming to a Tiny Airport Near You: New Airlines Booking a Cruise? Here Are 5 Ways To Do It for Less Tipping on a Cruise: Your Complete Big-Ship Tip Guide InsureMyTrip Review: Why We Like It and How to Use It Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.21.25 Clark Answers His Critics on Clark Stinks / Amazon Customer No-Service 38:27

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also in this episode, changes at Amazon have impacted customer service. Clark discusses what’s going on and what you need to look for when purchasing. Clark Stinks : Segments 1 & 2 Amazon Customer No-Service: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Get Out of Debt in 7 Steps Credit Card Car Rental Insurance: What You Need To Know The Chase Sapphire® rental car insurance guide 8 Free or Cheap Cybersecurity Tips for Travelers 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Introduction to Treasury Inflation-Protected Securities (TIPS) 10 Ways To Save on Prescription Drugs How to Buy a New Car in 5 Steps Costco Car Buying Program: 4 Things To Know Before You Sign Up 10 Common Job Search Scams Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.19.25 Your Savings Rate / Running Out Of Money In Retirement 33:22

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One of the most popular pages on Clark.com is our Best High Yield Online Savings Accounts article, because we all want to get the most interest on our cash. Capital One was recently accused of cheating customers out of interest rate payments - so how do you ensure you are getting best rates? Also - several high profile celebrities have revealed that they have run out of retirement savings . It just goes to show that it’s not how much you make, but how much you save. Avoid the MPC (Marginal Propensity to Consume) trap that has drained dry even the wealthiest of earners. Make More On Savings: Segment 1 Ask Clark: Segment 2 Retirement: Running On Empty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Capital One Accused of ‘Cheating’ Customers Out of $2 Billion Best High-Yield Online Savings Accounts - Clark.com High-Yield Savings Account (HYSA) Calculator How To Open a Roth IRA Best 529 College Savings Plans By State What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Advertisers: policygenius.com Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.18.25 Ask An Advisor With Wes Moss 44:56

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Do you want to be a millionaire? Wes dives into the fascinating trend of "mini millionaires" and uncovers the secrets to their success. He explores data from the Federal Reserve and the Wall Street Journal, revealing the common traits of those achieving millionaire status. Are they earning massive salaries? How much does education matter? He breaks down the key factors. Plus, he revisits the timeless wisdom of "The Millionaire Next Door" and how its core principles still apply today. Also, Wes shares three powerful investing lessons from an interview with the legendary John Bogle, founder of Vanguard. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 18, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask . We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.17.25 Joining A Gym + Health Trackers & Privacy / Payment App Warning 34:55

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Mid February and as resolutions fade, make the choice to double down! Today, the Clark smart way to join a gym, and what to know about health trackers and your privacy. Also - Zelle is not the only payment app to be concerned about. Spotlight on Cash App and the safest way to transfer money. How To Join A Gym: Segment 1 Ask Clark: Segment 2 Payment App Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Get a Gym Membership for Practically Free Why Does Clark Howard Wear 2 Watches? 13 of the Best Free Workout And Fitness Apps Consumer Reports - Your Exercise Bike Knows a Lot About You & Doesn't Keep Every Secret IRS Direct File Expands to Millions More Taxpayers 9 Free Federal and State Tax Filing Services for 2025 Cash App Ordered To Pay Millions for Fraud, Security Issues Safer Ways To Send Money - Clark.com 6 Things To Know Before You Buy Gas at Costco Wholesale Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.14.25 Valentines Edition: Couples And Money / Wedding Costs 34:19

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Happy Valentine’s Day! One way to help keep love alive is being honest about money matters and talking over financial goals with your partner. Clark talks about different ways couples can navigate finances successfully. Also, the average cost of a wedding has hit a new high! But there are other ways to think about the big day, and beyond. Financial Fidelity: Segment 1 Ask Clark: Segment 2 Wedding Expense: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 5 Money Tips for Couples How Couples Can Get on the Same Page About Money 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Spot and Avoid Gift Card Scams The One and Only Exception to Clark Howard's 'No Gift Card' Rule How To Talk to Your Partner About Money Before Marriage SAVE Money On Your Wedding Marriage, money and happiness: A timeline I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.12.25 Finding A Side Gig / Finances: Teach Your Children Well 34:54

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So many Americans are taking on side jobs to make extra cash. Clark talks about how important it is to have your scam radar up, and to prepare for the latest tax implications of gig work. Plus, for parents, Clark discusses the state of financial education and ways to give your kids the financial know-how they’ll need throughout life. Legit Gig Work: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Taking the guesswork out of gigs 30 Easy Side Hustle Ideas Is One Medical Membership for Prime Members Better Than a Health Concierge? Amazon One Medical - Portland OR How to Find a Geriatric Care Manager / Senior Planning NHTSA safety | Check for Recalls. Save Lives. Why You Should Never Use a Debit Card To Pay for Anything How to Teach Young Kids About Money How To Buy Term Life Insurance in 7 Easy Steps 4 Types of Term Life Insurance Companies Explained Discover it® Cash Back Review: Earn Rotating 5% in Top Categories Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices…

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02.11.25 Ask An Advisor With Wes Moss 38:22

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