What you'll learn

• 1 (01:17) **Show Opening & Clark Stinks Introduction** - Clark introduces the weekly Clark Stinks segment where he learns from listener critiques, and previews the second topic about online medical services.
• 2 (03:01) **Critique: 401(k) vs. 403(b) Comparison** - Andrew from Oklahoma argues Clark misleads by saying 401(k)s are better than 403(b)s, since the employer determines plan quality.
• 3 (06:22) **Tip: Cashing Out Gift Card Balances** - Tim from Texas suggests applying leftover gift card balances to utility bills, a method Clark endorses.
• 4 (07:12) **Critique: Building Credit for Young Adults** - Jim in Florida challenges Clark's advice to add a young adult to a parent's credit card, suggesting a collateralized credit card at a credit union instead.
• 5 (09:24) **Critique: Elder Care & the Sandwich Generation** - Charlotte from North Carolina criticizes Clark for putting the burden of elder care on adult children, arguing boomers should take responsibility.
• 6 (12:26) **Critique: Retaining Wall Dispute** - Ken in South Carolina says Clark missed the mark on a neighbor's failing retaining wall, suggesting the homeowner build their own wall on their property line.
• 7 (15:19) **Critique: Insurance Coverage for Retaining Wall Damage** - Carolyn in South Dakota says Clark should have advised reading the policy exclusions and checking neighbor's liability coverage.

+ Full timestamped outline available in the app