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💵 Today’s Top Stories |
| | The IRS will hammer you with a big penalty if you miss this age-specific deadline. Here’s everything you need to know. Read more. |
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| | One bank account isn’t enough according to Clark Howard. If you’re a couple, two isn’t enough either. Here’s why – and how many accounts you should have. Read more. |
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| | Not sure how you’ll fill your days in retirement? Take this free quiz to uncover exciting hobbies, activities, and adventures to explore—perfect for trying out now or in your golden years! | Take the core pursuit quiz. |
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| | The IRS sometimes struggles to process millions of tax returns in a timely manner. They’ve performed better of late, but that possibility makes it critical to file at the right time – now. Read more. |
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| | Clark consistently saves big on rental cars by using this strategy. But you absolutely cannot prepay for your rental car or else it won’t work. Read more. |
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| | Fubo is the latest company to raise streaming prices in 2025. It now costs more than Hulu + Live TV. Let’s reset our evaluation now that Disney owns a controlling stake. Read more. |
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🏠️ Today’s Current Mortgage Rates |
According to Freddie Mac, 30-year mortgage rates are 6.96% and 15-year rates are 6.16% as of January 23, 2025. The following chart shows the 30-year mortgage rate trend over the last year. |
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Refi Info | Mortgage Refi Calculator |
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☕️ Starbucks Cracks Down on Non-Customers |
For nearly seven years, Starbucks allowed you to sit inside its locations whether or not you made a purchase. |
Facing falling sales and less foot traffic, the behemoth corporation is changing its policies under new Starbucks CEO Brian Niccol. |
Now you must make a purchase if you want to loiter or use the restroom under the new policies, which take effect today. |
According to an exclusive Wall Street Journal report, Starbucks will add code-of-conduct signs at more than 11,0000 North American stores. Baristas will ask you to leave if you aren’t complying. |
In addition to being asked to leave if you don’t make a purchase (or accompany someone who makes a purchase), the signs will reinforce that Starbucks doesn’t allow the following: |
Harassment Violence Threatening language Outside alcohol Smoking Panhandling
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Starbucks will now offer free refills on hot and iced coffee in addition to free water for customers and those accompanying them. |
Starbucks also is restoring its condiment bars, which it removed during the COVID-19 pandemic. Niccol, the new CEO, also promised to bring back ceramic mugs and plates as well as comfortable furniture. |
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📊 Stat of the Day |
💊 $80 billion: The fine that Walgreens may face from the Department of Justice, which is suing the pharmacy and says it “knowingly filled millions of prescriptions for controlled substances that lacked a legitimate medical purpose, were not valid, and/or were not issued in the usual course of professional practice.” |
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💰️ Deal Alert: Today’s Top Deals |
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🎙️ Podcast |
 | Full Show: Clark Stinks! and Changing Jobs? Don’t Make This Costly Retirement Mistake |
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It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, you’ll be surprised to learn how often switching jobs knocks people off track when it comes to investing for retirement. Clark explains what you can do to make sure you don’t make this major money mistake. |
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☎️ Need Money Help? |
The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information. |
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Did You Enjoy Today’s Newsletter?Let us know what you think so we can better serve you! | |
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