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Dr. Farley and Dr. Jepsen are mother-daughter behavior analysts with an unhealthy co-dependency, sense of humor, and dedication to make the best out of every situation. Join them as they share and analyze real life experiences in business, relationships, travel and health. Nothing is off limits for these two, so sit back, relax and enjoy the shit show we call life.
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Welcome to the Google Ads Podcast by Guided PPC! Tune in to the ultimate podcast for everything Google Ads, where we bring you live Google Ads Q&A sessions, share insightful Google Ads case studies, and interview top industry experts. Whether you’re a beginner looking to learn the basics or a seasoned professional seeking advanced strategies, our podcast is designed to help you master Google Ads. Stay updated with the latest trends, tips, and real-world examples that will elevate your advert ...
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Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, rec ...
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Better Beginnings

Gary Community Ventures

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Better Beginnings is a podcast exploring Colorado’s changing early childhood system. Season 1 followed one family’s harrowing search for childcare in a state that has some of the most expensive childcare and preschool rates in the nation. Season 2 will premiere in September 2023. It will explore how to navigate Colorado’s new universal pre-K system as well as several bold, new ballot measures and public-private partnerships that could improve it. Season 1 is available now. This serial-style, ...
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To save more, it’s important to tackle the “monthlies” - those bills that come due month after month. Today, Clark discusses how the cable monopoly is weakening and now you have more affordable choices for home internet. Also, a big monster mega bank with a lengthy rap sheet, formerly referred to by Clark as “criminal enterprise posing as a bank” -…
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10 Financial Myths That Are Costing You MoneyAre you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time! 10 Investing Myths That Are Costing You MoneyPlus, Christa shares your #AskWes questions and Wes gives his t…
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We all have to eat, but these days, eating out can eat up your wallet. Many Americans are adjusting their food spending habits, and Clark has some tips for you. Also, for those who regularly mail out packages, Clark discusses options for reliable, affordable shipping. Food Savings: Segment 1 Ask Clark: Segment 2 Clark Smart Shipping: Segment 3 Ask …
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TneeeT. Guest Informant vs Riddler Solicitor in Studio Vs Hexen Definitive / Strife Knot The Past #2 vs Telephone Thing and a tribute to late, great B Wilson... auteurs droppin' like flies and joined by friend o the show Steve "Church of the Fall" Titley. Catch him here... https://www.facebook.com/churchofthefall/ and of course, bonus episodes and …
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses upcoming opportunity in the car market, and answers the question: should you buy an EV now before the tax credit expires on new and used electric vehicles. Clark Stinks: Segments 1 & 2 An EV Purchase: Segment 3 Ask C…
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You bought it, you wore it once, then sent it back. Maybe you just changed your mind. In addition to online purchases necessitating more returns, there are those gaming return policies. Clark predicts how this challenge for retailers will become costlier for consumers. Also - Is now a good time to tackle a home improvement project? There’s somethin…
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In this episode of 'And Then She Said', Britt and Anissa explore various themes including their experiences living in a log cabin, vacation adventures, family dynamics, business challenges, and personal growth. They share humorous anecdotes, discuss the impact of their upbringing on their current lives, and reflect on the importance of self-improve…
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Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What’s the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for in…
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Clark has recommended shopping for auto insurance as rates keep rising. But it’s also important to know how some insurers are tracking you surreptitiously to set rates, while others offer voluntary programs, or usage-based premiums to earn discounts, which can be a benefit or punishment. Later - Clark is in favor of businesses setting credit card s…
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It begins!! Round 3.. the last 125!! T'neet!! I’m into CB vs Hurricane Edward Pay Yer Rates Vs Iceland Sleep Debt Snatches vs Van Plague and intrusions by my biological brother KOL! Cash for votes here! https://www.patreon.com/c/FALLOUTPODCAST238By falloutpodcast3557
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark offers perspectives on the current job market with advice for those seeking employment, including recent high school and college grads. Plus, for those soon heading into college, hear Clark smart advice for graduating with a s…
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After the pandemic, the cruise industry came roaring back. But the tide is turning. Today - Clark smart direction for cruise travelers. Also, there are innovative methods of building much-needed housing in the U.S. awaiting wider adoption. Clark has an impressive case in point - courtesy of Brooklyn. Cruise Update: Segment 1 Ask Clark: Segment 2 Af…
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Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a cost…
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From influencers peddling goods to “finfluencers” employing bot farms to push fake posts about hot stocks - schemes and scams are rife on social media, and public users aren’t the ones getting rich. Also today, why you should never take a health insurance claim denial lying down! Clark explains the denial game, and how most of the time, filing an a…
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Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k). Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty. Steady Retirement Saving: Segment 1 Ask …
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Today - A Clark travel update about what the airlines are doing to get you to pay more for your tickets and what you can do about it. Also, Clark has talked about how the airlines and hotels continuously devalue their miles and points. Now the credit card industry is at it as well. It looks like credit card points are going the way of the airline f…
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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 - Some banks & brokerages are playing games with your money. Clark discusses how to make sure you’re getting the best rate on savings. Clark Stinks: Segments 1 & 2 Attention - Savings Rates: Segment 3 Ask Clark: Segme…
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Concerned about the economy and looking to save more, many people are turning to warehouse clubs. The price difference is real. But Clark has concerns about what his beloved Costco is up to with a new payment option he does NOT recommend. Also, the debt burden many of us carry is also very real. Clark discusses how people are working on getting out…
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The Secret to Consistent Investing and Your Financial Safety Net for Any Market Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the per…
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It's all over for some...but for a select few there is hope!! All of these bad lads were voted out in round two...but here AL, Bren n Dan show mercy to a few gems of the many that fell thru the cracks. You won't believe what these clowns put out! Onward to round 3!! Cash for bonus eps and votes here!!…
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There’s a big shift going on in the housing market. Clark explains what this means for buyers and sellers. Also, in this new era of tariffs, know what to keep in mind when purchasing a vehicle and why it’s time to rethink what you’re interested in buying. Housing Market Update: Segment 1 Ask Clark: Segment 2 Vehicle Purchase Considerations: Segment…
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Today we celebrate Clark Howard’s birthday and the many accomplishments he’s inspired - starting with Clark’s own telling of his life’s trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this birthday h…
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Data centers are creating higher demand for electricity and the cost is falling on consumers. Power bills could reach record highs this summer. Clark has two recommendations to help lower your energy bills. Speaking of summer, have you planned out your vacation days yet? Clark talks about the importance of time away from it all. Home Cooling: Segme…
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In this episode, I’m joined by Kirk Williams, founder of ZATO Marketing and one of the Top 50 Most Influential PPC Experts in 2025, as recognized by the PPC Survey. We dig into: 🔥 What’s actually working in Google Ads in 2025 🧠 Key insights from Google Marketing Live 2025 💡 Performance Max, Brand Search, and the role of AI 🏗️ How to build a lean, h…
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Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early with…
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Today - you may have heard about the boy who ordered 70,000 lollipops on Amazon. A reminder for parents to childproof devices to protect your accounts from plundering toddlers! Also, the stakes are higher now when renting a car. There’s a new inspection practice you must be aware of to protect your wallet. Childproof your devices: Segment 1 Ask Cla…
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T'neeet! The last showdowns of round 2!!! And they said this day would never come!! Riddler Vs Oh Brother Smith & Mark Vs Reece Stick Vs Cosmos 7 Living too late Vs In These Times Vs Free Range and our pod buddy Chris C drops by. Cheers Chris!!! If you want to vote or get bonus live episodes, jump on the link here! https://www.patreon.com/c/FALLOUT…
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, an easy, low tech solution to the porch pirate problem. Clark Stinks: Segments 1 & 2 Porch Pirate Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Will Social Security Run Out? Sell Stuff Online: The Best Sites …
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A CNET survey has found the average consumer is paying close to $200 more per year for internet than a year ago. Today, paying for home internet service no longer has to be expensive. New choices have emerged to help you SAVE MORE. Also, bait & switch junk fees have been rampant - on hotels, tickets, services and more. But new rules are helping to …
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Do Retirees Need To Track Stock Earnings? And This Rule Can Help You Retire Early If you're a retail investor or a happy retiree, should you be paying attention to corporate earnings? Fiduciary financial advisor Wes Moss dives into why earnings matter for both individual stock owners and index fund investors. Discover how the overall earnings of th…
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In today’s episode, an ongoing concern - where should you store your cash? One of Clark’s favorite children (discount brokers) has just launched a new offering worthy of your attention. Also today, dealing with debt collectors. Some are legit, some not so much. Know what to do if the debt is indeed yours, or if it is a mistake. Clark has key inform…
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TNeet!!! Spectre vs Rector Vs Sing! Harpy !!! Prole Art Threat Vs Jawbone and the Air-Rifle !!! As the end of round two approacheth!!! We are Joined by Nicholas Alvarez who was lucky enough to be in the inner circle of TMF for a few sweet months as the 80s hit....and oh joy, my cousin, cousin Froze decides it's time for his annual visit!!!! Join us…
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, sunscreen is so important in the prevention of skin cancer - but how to choose? Clark shares some excellent recommendations offering protection that is both cheap and effective. Clark Stinks: Segments 1 & 2 Best Sunscreens: Se…
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We in the U.S. pay the highest prescription drug prices in the world, and a recent executive order takes aim at that inequity, the result of which remains to be seen. Clark explains why employee health plan drug prices through PBMs remain so high, and what you can do about it. Speaking of prices, what’s behind the sticker shock from the price of be…
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Investing in Gold: Smart Move or Mistake? and Will Entry-Level Jobs Disappear? Should you own gold? How much should you own? Fiduciary financial advisor Wes Moss breaks down the data and shares his take on investing in gold to help you determine if it belongs in your portfolio. Also, the CEO of a major AI company recently said that 50% of all entry…
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June signals upcoming road trips and today, Clark talks about some transportation hazards to avoid. First, when buying a vehicle, know how significant the length of the loan can be to your financial health. Also, skimming scams at gas pumps and beyond - have gotten more sophisticated. Clark shares 2 ways to protect your money. Auto Loan Warning : S…
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T'neet!! We are thrilled to chat with Daren Garret of Pram, The Nightingales, Pubic Fringe...and, natch, The Fall!!! (plus many many more)... As you are hopefully well aware, Daren ushered in the splendid late era double drummer line up form about 2013-2015, playing on Sublingual Tablet as well as The Remainder and Wise Ol' Man EPs. He's a lovely, …
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Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Friday - Clark Stinks day! Christa shar…
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In this episode - As auto insurance rates continue to rise, more people recognize the need to shop around. Clark shares a valuable resource for where to start. Also today - Economic uncertainty necessitates ongoing family conversations about money and the economy, and what can be done to prepare for a possible recession or employment setback. Shop …
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10-Step Checklist BEFORE You Retire and How Spending Money in Retirement Actually Works Ready to retire? Fiduciary financial advisor Wes Moss walks you through the essential 10-point checklist you should complete before leaving the workforce. Also, Wes breaks down the often-confusing topic of spending money in retirement. How do you actually access…
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Tn'eet!! Telephone Thing Vs Dead Beat Descendent! Is this New Vs Ten Houses of Eve! Featuring my musical hero Tim Kinsella! Of Joan of Arc, Cap'n Jazz, Kinsella & Pulse and many mucho more!! I stuck some of his music in the episode becasue I love it, but here's a playlist if you want more. And you should. https://youtube.com/playlist?list=PLrCDmV_X…
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark discusses how the shortage of air traffic controllers and lack of current tech will impact air travel this summer, looks to Canada’s successful model, and shares his playbook for navigating air travel Clark Stinks: Segme…
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Travel demand has slowed and airlines are cutting service. Today Clark discusses the airline recession taking place, and the hazard & opportunity this presents for travelers. Also, Clark addresses some of the confusion surrounding student loan repayment. What you need to know if you or a family member has student loan debt. Air Travel Guidance: Seg…
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Are We in a Passive Investing Bubble? and Lump Sum Investing vs. Dollar Cost Averaging Is passive investing creating a stock market bubble? Fiduciary financial advisor Wes Moss dives into the rise of index funds, why they became so popular, and the potential concerns. Also, Wes covers a classic investing strategy: Dollar Cost Averaging (DCA). He ex…
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The 401(k) is a great retirement instrument because saving is automatic and investments grow over time. So is it ever OK to ⁠borrow from a 401(k)⁠? Know the “opportunity costs” involved. Also - good news if you like to ⁠check bags⁠ on flights. 401(k) Loans: Segment 1 Ask Clark: Segment 2 No More Lost Luggage!: Segment 3 Ask Clark: Segment 4 Mention…
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T'neet that rarest of real showdowns!! I Come and Stand at your Door Vs Gibbus Gibson Shoulder Pads Vs A Lot of Wind Fibre Book Troll Vs Vs 986 Generator Dan, Al and Brendan fight for what's right!! voters rights and bonus live episodes over at the Patreon https://www.patreon.com/c/FALLOUTPODCAST238By falloutpodcast3557
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, potential car buyers face a lot of questions right now - should you buy new or used? If buying used, is Certified Pre-Owned (CPO) the way to go? Clark shares advice to help you navigate decision making. Clark Stinks: Segments 1 & 2 …
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Today, learn more about I-Bonds. Are they still worth buying? Clark explains how I-Bonds work and why they can be a solid part of your saving strategy. Also, the tariff news keeps coming, with a temporary reprieve on goods from China now in effect. Clark discusses what this will mean for consumers and merchants moving forward. Series I Savings Bond…
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Breaking Down ETFs/Index Funds/Mutual Funds and Retirement vs. Brokerage Accounts Confused about ETFs, index funds, and mutual funds? Fiduciary financial advisor Wes Moss breaks down these "cousins" of investing – including when to use them. Also, retirement accounts vs. brokerage accounts – what’s the difference and what’s the best option for you?…
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The Congressional Budget Office update found the top 10% of earners in the U.S. have 70% of the nation’s wealth, possibly the greatest disparity in our history. Today, Clark discusses the severity of income inequality and its effects on our society. Also - if you have a smart device in your home, you might not realize some of the privacy concerns, …
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