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Articles written by Clark Howard


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  • My Social Security: The Free Account Everyone Needs to Set Up Before Retirement

    Clark Howard|Updated Jul 1, 2026

    For many of us, Social Security will be a significant source of income in retirement. In fact, the Social Security Administration (SSA) reports that Social Security benefits are about 30% of income for people over age 65. According to the 2026 fact sheet, the average monthly Social Security check for retired workers is $2,071. But did you know there’s an important step you need to take before you reach retirement age? Money expert Clark Howard has one secret to share that w...

  • What Do I Need to Do to Make Sure My Financial Affairs are in Order before I Die or Become Disabled?

    Clark Howard|Updated May 3, 2026

    We all know, in the abstract, that life is unpredictable. But most of us still put off the uncomfortable conversations and decisions that come with that reality. The truth is getting your financial and legal affairs in order isn’t just for the elderly or seriously ill — it’s something every adult should handle long before it feels urgent. Because when the unexpected happens, the difference between having a plan and not having one can mean everything for the people you love:...

  • Why You're Probably Underestimating How Long You'll Live (and Why It Matters for Your Money)

    Clark Howard|Updated Mar 1, 2026

    When it comes to retirement planning, one of the most common mistakes people make has nothing to do with their investment strategy or savings rate. It's a fundamental misunderstanding of how long they're likely to live. If you've heard that life expectancy in the U.S. is around 78 years, you might assume that at age 65, you only need to plan for about 13 more years. But that math is completely wrong, and it could leave you running out of money in retirement. The Real Numbers:...

  • Medicare Advantage Warning: Read This Before You Auto-Renew

    Clark Howard|Updated Jan 1, 2026

    Planning for the potential for expensive healthcare at the end of our lives is one of the least exciting parts of retirement. However, it's a real and significant part of financial planning. According to the Administration for Community Living, a federal agency, almost 70% of people turning 65 years old today will eventually need some type of long-term care (LTC). Even a few years of long-term care can be a major financial burden. Genworth Financial, one of the larger...

  • Medicare Advantage Warning: Read This Before You Auto-Renew

    Clark Howard|Updated Nov 4, 2025

    Every year around this time, I get flooded with questions from people on Medicare or approaching Medicare age — and almost all the marketing they’re seeing is for Medicare Advantage. That’s not an accident. Insurance companies and salespeople push these plans like crazy because they make big commissions when they sign you up for an Advantage plan instead of traditional Medicare. These plans have become so common that about half of all Medicare participants are now enrol...

  • Why You Need to Lock Your Phone Number Today

    Clark Howard|Updated Aug 31, 2025

    I read the financial press every day and stay on top of the latest threats to your money. Recently, I came across an article written for a corporate audience, and it was a real eye-opener. It was all about the problems companies are having because of a sneaky crime called "SIM swapping," and how they're all playing this hot potato game of who is going to be left holding the bag. So, what is a SIM swap, and why is it such a problem? Why SIM Card Swapping is a Dangerous Scam...