"Open Concessions with Len and JD" presented by Toyota is a new podcast from the Chicago Cubs. Each week, Cubs play-by-play announcer Len Kasper and color commentator Jim Deshaies interview newsmakers, celeb fans of the ballclub, ballplayers and more.
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Open Concessions Podcasts
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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Dedicated to the First Time Home Buyer, we are here to give you the information you need to buy your first home. We are a group of real estate agents and mortgage lenders, and we know the home buying process can be confusing and intimidating. Learning a few key factors can help make the process easier to understand and less stressful. Our Website @ https://fthbpros.com has all episodes, articles, tools, and additional resources. NMLS#2141541 DRE# 02141890 / 02099257
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The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs? In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protectin…
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11.17.25 Charity Season Guidelines / Quick Serve Value Wars
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22:00We are in the height of the charitable solicitation season. How do you know what charities are going to use your money in a responsible way? Clark has some guidance for making sure your charity counts. Also, there are value wars happening in the food world that can help you spend less - IF you know how to find the deals. Holiday Giving: Segment 1 A…
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11.14.25 Batteries Not Included / Multigenerational Living
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28:14Today - A form of shrinkflation is affecting toys & electronics this holiday season, but there’s something you can do about it, to save money. Also - Multiple generations living together used to be common in our country, but fell out of favor. Well, it’s back. How do you navigate having your adult kids living in your home? Battery Shrinkflation: Se…
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11.12.25 Shopper Guidance In The K-Economy / Screen Addiction Solutions
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33:12We are in a K-shaped economy again - which creates a clear trend involving a reversal in the pricing of “have to” vs. “want to" purchases. Clark shares what you need to know to stretch every dollar. And… screen addiction. Sick of it, people are tackling the problem in a multitude of ways. Shopping In The K-Economy: Segment 1 Ask Clark: Segment 2 Ju…
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Top 10 'Overvalued' Cities and Second Act Career: A One-in-a-Million StoryIn this episode, Wes Moss dives deep into the housing market, revealing why it has become the most extreme buyer's market in a decade. Wes breaks down the latest data, pinpointing the top 10 "overvalued" cities that have the biggest seller-to-buyer imbalance, with some areas …
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11.10.25 Holiday Travel: Airbnb & VRBO / Honoring Our Veterans
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33:28One decision you may be working on right now is where to stay during holiday or spring travel. Clark has some key advice if you’re considering AirBnB or VRBO. And - tomorrow is Veteran’s Day. Clark shares advice and special warnings for those who have served our country. Airbnb & VRBO - New Rules: Segment 1 Ask Clark: Segment 2 Veterans Day: Segmen…
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11.07.25 Clark Answers His Critics on Clark Stinks / Screen Out Robocalls
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41:19Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Great news - there’s a new weapon against robocalls you should have activated in your phone settings. Clark Stinks: Segments 1 & 2 Stamp Out Robocalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Do a Balance…
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11.05.25 Spend Less On Internet Service / SCAM WARNINGS
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36:59Today - You know Clark loves competition, and there is more choice for you now in the home internet market. More providers are offering wireless internet. Also, scams keep morphing and proliferating. Clark discusses the patterns to recognize so you’re able to protect yourself and others. Home Internet For Less: Segment 1 Ask Clark: Segment 2 Scam W…
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Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. A…
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11.03.25 Secure Holiday Package Delivery / The Siren Song Of Debt
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32:06It’s November, and holiday shopping is underway. How do you make sure your packages aren’t stolen? Also, now that we’re in Black Friday month - there’s a major hazard to avoid while purchasing online. Thwarting Porch Pirates: Segment 1 Ask Clark: Segment 2 Warning: BNPL aka Pay In 4: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Safe…
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10.31.25 Clark Answers His Critics on Clark Stinks / Recession Proof Your Life
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33:46Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - What are the chances of full recession, what’s the extent of it now, and how can you prepare? There are some key steps to take. Clark Stinks: Segments 1 & 2 Recession Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the …
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10.29.25 The Housing Market & Involuntary Landlords / Restaurants: Less Is More
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34:30In today’s episode, Clark has an update on the housing market, and how “involuntary landlords” are benefitting tenants. Also, you may notice some changes to some restaurant menus that are good for both your wallet and your health. Housing Update: Segment 1 Ask Clark: Segment 2 Smaller Portions: Win-Win: Segment 3 Ask Clark: Segment 4 Mentioned on t…
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10.28.25 Ask An Advisor With Clark Howard & Wes Moss
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47:09Clark Howard and Wes Moss: Is the Market Overvalued? and 401(k) Private Equity Debate Is today’s stock market dangerously overvalued — or still worth riding? In this special Ask an Advisor episode, Clark Howard and Wes Moss break down what’s driving record-high valuations, and how to stay invested without taking on too much risk. Then, the pair deb…
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10.27.25 The Credit Card Rewards Game / New Tax Brackets & Your 401(k)
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32:13Today Clark covers reward credit cards - how they profit the issuers, when they make sense for you, and when they do not. Also, the new tax brackets are out and Clark has specific advice for you if you have the option of a Roth vs. Traditional 401(k) plan. Reward Credit Cards: Segment 1 Ask Clark: Segment 2 Tax Brackets And 401(k)s: Segment 3 Ask C…
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10.24.25 Clark Answers His Critics on Clark Stinks / What Put The Brakes On Home Break-Ins
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31:50Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, some great news - The number of residential burglaries in the U.S. has collapsed in recent years. Clark discusses the safety measure that has made the difference. Clark Stinks: Segments 1 & 2 Home Burglaries Down: Segment 3 Ask Clar…
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10.22.25 HSA Changes / Operational Cost Compare: EVs, Hybrids & Gas Vehicles
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32:58You may soon be eligible for one of Clark’s favorite saving & investment accounts - The HSA. Big changes are coming to the HSA world in 2026. Also today, despite the end of EV credits, how much cheaper it is to run an EV vs a hybrid vs a gas engine car? Clark helps you calculate what makes the most sense financially over time, when it comes to your…
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The Next Big Shift in Retirement Investing For decades, your 401(k) has meant stocks and bonds — but that’s about to change. Wes Moss dives into a major shift coming to retirement investing: private equity entering your 401(k). Private equity could open the door to investing in the other 87% of the U.S. economy — but should you be excited or cautio…
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10.20.2025 Save More On Groceries / Spend Less On Home Electricity
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29:54Food prices continue to rise - and Team Clark continues to find ways to help you control those costs. Also today, something else costing more - electricity. With winter weather on the horizon how do you keep yourself warm and avoid setting your wallet on fire? Clark discusses ways to help you use less electricity. Grocery Savings: Segment 1 Ask Cla…
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10.17.25 Clark Answers His Critics on Clark Stinks / Home Equity Temptation
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34:44Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Home prices have inflated so much in recent years, and banks are luring home owners to tap that home equity like it’s a piggy bank. But what does this do to your overall wealth? Before you're tempted, hear what Clar…
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10.15.25 UPDATE: Holiday Flights & Travel Credit Cards / Medicare Open Enrollment
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30:15Today, Clark updates holiday airfare booking strategy - and discusses high fee travel credit cards. How do you know when they’re worth it? Also - Medicare Open Enrollment time brings a Clark warning about “disadvantage” plans and why you need to study your options this year. Holiday Flights & Travel Cards: Segment 1 Ask Clark: Segment 2 Medicare Op…
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Bull Market Turns 3: Can It Keep Going? and the Truth About Feeling Financially “Set” We’ve hit the three-year mark of this bull market — stocks are up, dividends are strong, and history tells us there could still be room to run. But what happens next? Wes Moss breaks down the data and explains what history says about how long bull markets typicall…
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10.13.25 The Cost Of Streaming TV / Can You Trust CPO Vehicles?
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34:11In today’s episode - do you consider steaming TV as a monthly essential? You won’t believe how many of us do. So how do you spend less to watch your favorite shows? And later - does certified pre-owned actually mean anything when you’re considering a used vehicle purchase? Clark explains how the CPO program began, and how it’s become very problemat…
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10.10.25 Clark Answers His Critics on Clark Stinks / The Truth About “Free” Phone Offers
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32:23Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Football season means Clark is back to watching TV, and he’s got clarification on some offers in ads you’re likely seeing too. Clark Stinks: Segments 1 & 2 “FREE” Phones? Not Really: Segment 3 Ask Clark: Segment 4 M…
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10.08.25 The Quest To Spend Less / WARNING: Fake Medical Pitches Online
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25:33There’s a clear trend in how people are shopping today. Consumers of all income levels are seeking out bargains, changing where and how they buy everyday goods - a Clark smart reaction to inflation & tariff effects. Also today - You may need a cure for what ails you, but don’t trust medical ads you see online. Scammers are using AI and other manipu…
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By Clark Howard
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10.06.25 Calculating Retirement / Housing Innovations
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36:01In today’s show - a recent Tik Tok video claimed to show young people how to set themselves up to have $4 million at retirement - with some help from their parents in early adulthood. But how can you actually tell how much you’re going to have in retirement? We have a new tool that can help. Also today - There ARE answers to the housing shortage. T…
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10.03.25 Clark Answers His Critics on Clark Stinks / Travel Warning: The Luggage Tag Scam
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33:42Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark goes pass wild with Frontier - and shares an important warning for air travelers who do something Clark will not do - check a bag. Clark Stinks: Segments 1 & 2 The Bag Tag Scam: Segment 3 Ask Clark: Segment 4 Mentioned o…
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10.02.25 SPECIAL EDITION: A tribute To Financial Mentor Jonathan Clements
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36:48Today, we reprise Clark’s interview with beloved colleague Jonathan Clements from October 8, 2024. He had, and still has much to teach us all. An Honest Conversation About Death and Finance With Jonathan Clements Special Edition - Clark welcomes longtime friend and colleague, Jonathan Clements. A London born Cambridge University graduate, financial…
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10.01.25 Warning: Sports Gambling / Assignment: Your Credit Report
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31:10In this episode, football is in full swing, and so is something very troubling. People are losing enormous amounts of money on electronic gambling. Clark discusses how the nature of modern gambling can increase the risk of gambling addiction, and steps to take if this is a concern. Also - How accurate are credit reports by the 3 credit bureaus? Wha…
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2025 Housing Outlook: Rates, Prices, and How to Play It
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13:38Headlines keep promising drama, but the 2025 housing story is quieter—and more strategic—than most people think. We break down what actually matters for first-time buyers right now: prices holding steady, inventory finally improving, and mortgage rates edging lower without a freefall. The twist? A small shift in rates can invite millions of buyers …
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The Crucial Financial Conversation Everyone Needs To Have NOW and Brand New Money Rule When was the last time you talked to a family member or loved one about your finances? Wes shares an important financial conversation warning that stems from a tragic and immediate crisis. Wes explains how a simple, 30-minute conversation could have prevented wee…
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09.29.25 This Open Enrollment Is Different / A Good Climb: CD Ladders
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30:55It’s almost time to choose health insurance for 2026 and there are some significant changes coming with medical care. Clark has important info you need to know ahead of making your elections for open enrollment. Also, interest rates are up in the air right now. Is now a good time to open a CD and/or CD ladder with predicted interest rate cuts? Clar…
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09.26.25 Clark Answers His Critics on Clark Stinks / Amazon Prime Family Shipping
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32:31Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, has Prime membership reached its peak? Clark discusses Amazon Prime, including why & how they’re ending a family sharing program. Clark Stinks: Segments 1 & 2 Amazon Prime Change: Segment 3 Ask Clark: Segment 4 Mentioned on th…
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09.24.25 The Geography Of Retirement / Fast Food Value Wars
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33:26How much do you really need to retire? That is the golden question, and of course the true answer is “it depends.” If you’re worried you haven’t saved enough, new data shows the state you reside in can be a big factor in determining your goal. Also today - We’ve seen so much inflation in the restaurant industry, but now there’s good news for consum…
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What a Fed Rate Cut Means for Your Money and #1 Financial Fear (and How To Beat It) The Fed just cut rates. What does this mean for your money? Wes breaks down what the latest Fed rate cut means for your personal finances. He discusses how a drop in rates impacts everything from mortgage rates and the housing market to your investment portfolio. Pl…
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09-22-25 Investing With Robinhood / Price Concessions At The Movies
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30:47Today Clark talks about the new Robinhood experience. A pioneer of free stock trading, Robinhood is looking to build real relationships with investors. Clark discusses how Robinhood Gold works, with incentives aligned to savings. Later in this episode - when was the last time you went to a movie theater? The world’s largest movie chain is doing mem…
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09.19.25 Clark Answers His Critics on Clark Stinks / HOTELS: What’s In A Name
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41:19Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Something else that stinks? Finding rats in a hotel room! Clark explains why the name on the building is no longer a guarantee when it comes to hotel chains - and how you should approach booking. Clark Stinks: Segments 1 & 2 Devalued Hote…
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09.17.25 A Homebuyer’s Budget Reckoning / First Hand Knowledge Of Second Hand Stores
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30:17A stressful, burdensome price pressure squeeze play - this describes housing costs today. So potential homebuyers have much to consider. Clark talks through how to think realistically about the real cost of home ownership. Also today, the first way to stretch a dollar is to shop second hand. A simple reminder to explore a wider area of where to buy…
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5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gain…
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09.15.25 High Alert: Protect Your Accounts / Employment: Forward Thinking
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32:11In today’s show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself. Also, how do you “futureproof” your career with so many changes coming from AI, robotics and more? Clark discusses the value of looking a…
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09.12.25 Clark Answers His Critics on Clark Stinks / Our New Car Cost Calculator
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27:08Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Empowerment in Action: Our team has developed a new tool to help you make one of life’s largest purchase decisions - exclusively at Clark.com Clark Stinks: Segments 1 & 2 Car Cost Calculator: Segment 3 Ask Clark: Segment 4 Men…
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09.10.25 WARNING: Avoid This Credit & Debit Card Scam / Balcony Solar Power
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36:05In this episode - a Federal sweep has revealed how transactional crime rings have engineered a common scam that is emptying accounts. Clark shares the warning and tells you how to avoid having your credit or debit card information stolen. Also, electricity rates are skyrocketing, but we are not sitting ducks. A breakthrough in self-install solar is…
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What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He…
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09.08.25 Your Retirement Plan On Auto Pilot / Subscription Creep
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27:56New data shows the value of automatic savings into retirement plans - and the consequence of not having a plan. So if you don’t have access through work, start one yourself. Your map to retirement - Clark says let’s get on it! Your future self will surely thank you. Plus, a simple audit of your checking and credit card accounts is in order. Clark h…
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09.05.25 A New Generation Gets Ripped Off / WARNING: Booking Travel
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32:52Today Clark addresses meme stocks and crypto schemes appearing on social media. An old scam in a new era is ripping people off big time, with the lure of finding a shortcut to wealth. Also - Booking travel at a time of instability in the industry means you could get ripped off. Clark tells you how it goes down, and has expert advice to help protect…
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09.03.25 Clark’s Streaming Service Update / A Senior Facility Payment Warning
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33:32Today - How Clark saved money solving his streaming dilemma just in time for football season. Also, paying for skilled nursing, assisted living, memory care and long-term care facilities only gets more costly & complicated. Clark has a warning for those trying to navigate the system. Streaming Update: Segment 1 Ask Clark: Segment 2 Senior Facility …
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The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have…
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08.29.25 Clark Answers His Critics on Clark Stinks / SCAM WARNING: Healthcare Plans
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35:40Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the high cost of REAL health insurance is driving a surge in low cost health “coverage” being pitched to both individuals and small businesses - plans that are either bad, or worse, total scams. Clark Stinks: Segments 1 & 2 Bo…
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08.27.25 Investing Overseas / Revised Strategy For Shopping Airfares
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24:33Clark discusses why having a portion of your retirement funds in overseas investments is highly recommended. Also - Why Clark’s recent advice on shopping airfares just changed. Investing Worldwide: Segment 1 Ask Clark: Segment 2 Airfare Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Investing Abroad Could Pay Off Best Online Bank…
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A retired couple’s home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a si…
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