How much is too much retirement savings?, Second-largest data breach ever hits billions

September 09, 2024 | Read Online

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💵 Today’s Top Stories

How Much Is Too Much When It Comes to Retirement Savings?

You want to save enough for retirement. And you don’t want to underestimate your needs. But at what point is it OK to start living more for today? Read more.

One of the Largest Data Breaches in History Affects Billions of Americans

The second-largest data breach in American history involves up to 3 billion people and includes Social Security numbers. Here’s how to check if you’re part of the breach – and what to do. Read more.

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101 Retirement Tips: A Short Guide For Soon-To-Be Retirees

Whether you are retiring in a few years or have already embarked on the process, be prepared for what’s ahead. Given their years of advising thousands of retirees, Capital Investment Advisors has put together this guide to help you plan for a long, happy retirement.

Learn more.

Why You May Need To Unfreeze Your Credit To Apply for Car Insurance

Did you know that freezing your credit score can force you to pay higher premiums for your auto insurance – maybe without you even noticing? Here’s how to avoid that situation. Read more.

13 New Cell Phone Deals

Get Mint Mobile for $15 a month for a limited time, including free second lines if you’re coming from AT&T or Verizon. Plus, save $10 a month for the next five years with this unlimited plan. Read more.

📝 Team Clark Survey

What did you buy with your first paycheck?

Let us know by using this form and we may feature your response in an upcoming newsletter.

🏠️ Today’s Current Mortgage Rates

According to Freddie Mac, 30-year mortgage rates are 6.35% and 15-year rates are 5.47% as of September 5, 2024. The following chart shows the 30-year mortgage rate trend over the last year.

Refi Info | Mortgage Refi Calculator

📊 Stat of the Day

🌴 78%: Share of American employees who don’t use their full paid time off (PTO). The biggest reasons? Heavy workload (43.1%), lack of adequate staffing (23.8%) and needing to coordinate time off with other staff members (13.1%). Also, 86% of American workers check emails from their boss while on PTO and 56% have taken work-related calls.

💰️ Deal Alert: Today’s Top Deals

The best deals at Sam’s Club right now

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The best deals at Lowe’s Home Improvement!

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See All of the Best Deals Today

🎙️ Podcast

YouTube video by Clark Howard: Save More, Spend Less

Full Show: Clark Stinks! and Clark’s Unprecedented Home Buying Advice

It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, Clark has long said that it makes more sense to buy a used home than a new home. But his advice is taking a shocking turn!

Watch the Full Episode

☎️ 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.