The Clark Howard Podcast
The Clark Howard Podcast

04.03.26 Clark Answers His Critics on Clark Stinks / Protect Your Phone & Accounts

April 3, 2026

AI Summary

5 min read

Clark Howard kicks off the episode by reading and responding to listener emails in the "Clark Stinks" segment, where fans point out omissions, clarifications, or disagreements with his recent advice. He appreciates the input as a way to refine details and stay current, covering topics from health trackers to debt tools and account security. The discussion then shifts to immediate cyber threats targeting phones and accounts, followed by answers to listener questions on solar energy, veterans' benefits, and charitable tax strategies.

Feedback and Corrections from Clark Stinks

Listeners highlight practical details Clark glossed over or missed. On the Oura Ring, one notes it's FSA-eligible but often requires a doctor's letter of medical necessity, complicating reimbursement without an extra appointment. Clark shares his six-year experience with the device, crediting it for improving his sleep scores from the upper 50s to the 80s through behavior changes.

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What you'll learn

  • 1 (01:03) **Show Intro** - Clark welcomes listeners and teases Clark Stinks segment followed by phone/account security threats
  • 2 (01:49) **Clark Stinks: Oura Ring FSA Reimbursement** - Bill notes potential need for doctor's letter of medical necessity for FSA claims on Oura ring
  • 3 (03:37) **Clark Stinks: Pay in 4 vs Credit Cards** - Randy questions why Pay in 4 is criticized like debt traps when credit cards have similar risks
  • 4 (07:16) **Clark Stinks: DOs in Doctor Shortage** - Evelyn corrects Clark on treating DOs (Doctors of Osteopathic Medicine) same as MDs, not like NPs/PAs
  • 5 (08:16) **Clark Stinks: Vehicle Software Support** - Brian explains long-term support (LTS) releases for car software lasting 10-15 years
  • 6 (09:17) **Clark Stinks: Face ID vs Passkeys Clarification** - Steve distinguishes Face ID app launch security from passkeys for authentication
  • 7 (11:20) **Clark Stinks: Roth IRA Withdrawal Reporting** - Buzz details manually entering contribution basis on 1099-R to avoid taxes on Roth contributions

+ Full timestamped outline available in the app

Show Notes

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - security risks keep morphing via phone and/or account takeover attempts. Clark covers a specific threat targeting iPhone users and the simple fix, plus - the next generation of online security – Passkeys.

  • Clark Stinks: Segments 1 & 2
  • Prevent Hackers: Segment 3
  • Ask Clark: Segment 4

Mentioned on the show:

Clark.com resources: