The Clark Howard Podcast
The Clark Howard Podcast

04.17.26 Clark Answers His Critics on Clark Stinks / Booking Travel - New Guidance

April 17, 2026

AI Summary

5 min read

Clark Howard kicks off the episode with his signature "Clark Stinks" segment, where listeners point out errors or omissions in his advice. He responds to feedback on topics from taxes to security, appreciating the corrections while explaining his positions. Later, he shifts to updated strategies for booking travel as airlines hike fares and fees amid surging jet fuel costs.

Feedback on Taxes and Giving

Listeners flagged two gaps in Clark's charitable giving advice. Andrea in Texas noted he overlooked a new 2026 above-the-line deduction for non-itemizers: up to $1,000 ($2,000 for married filing jointly) for cash donations to public charities under the One Big Beautiful Bill Act. Clark thanks her, emphasizing most people take the standard deduction and won't itemize. Gretchen in Washington warned about donor-advised funds (DAFs), where donors relinquish control—funds can reject suggested charities, though rare with providers like Vanguard, Fidelity, or Schwab if the recipient is a legitimate nonprofit. She prefers direct donations to retain control, carry over unused deductions for five years, and avoid fees. Clark acknowledges DAFs' growth but notes charities dislike the delayed payouts.

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What you'll learn

  • 1 (00:04) **Intro to Clark Stinks Day** - Host celebrates fan-favorite segment for feedback and teases travel booking guidance amid rising jet fuel costs
  • 2 (02:04) **Charitable Deduction for Non-Itemizers** - Listener notes oversight on 2026 above-the-line cash donation deduction up to $1,000 single/$2,000 joint
  • 3 (03:14) **SMS 2FA Risks and Better Alternatives** - Victim of SIM swapping warns against text-based two-factor; host pushes passkeys and biometrics
  • 4 (04:41) **Newsletter Subscription Popup Issue** - Subscriber annoyed by daily resubscribe prompt; host explains cookie blocking and will check tech fixes
  • 5 (05:40) **Storage Unit Rate Hikes Critique** - Listener rejects "lab rat" tactics of teaser rates vanishing post-move; host shares personal move experience
  • 6 (08:00) **Used Car Inspection Realities** - Mechanic shortages delay checks 1-2 weeks, challenging private sellers; host suggests mobile inspectors
  • 7 (09:31) **529 Plan Ownership Change Pitfall** - Transferring ownership resets 15-year Roth rollover clock; host advises age-based investing workaround

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Show Notes

The Clark Howard Podcast