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💵 Today’s Top Stories |
| | Some people are surprised to experience new challenges in retirement. Here’s what to expect and strategies to handle each of them. Read more. |
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| | From taking advantage of the right savings account to applying for a great rewards credit card, here are some things you can do right now to “find” free money. Read more. |
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| | Take the steps to discover your personalized path to a joyful retirement by starting with our short Money & Happiness Quiz. Uncover insights that align your financial goals with the lifestyle you've always dreamed of. | Take the quiz. |
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| | YouTube TV has been Clark’s favorite streaming option for years. But the service has hiked prices again and again of late. Has the price tag changed its place perched atop our favorites? Read more. |
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| | Vacation clubs are the answer to an interesting Clark trivia question: what could possibly be worse than timeshares? Here’s why he despises them. Read more. |
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| | This new take on “pausing” your streaming services offers a package of benefits worth more than the $5 monthly fee and could be the future of retention strategy for streamers with price hikes. Read more. |
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💻️ Tech Tip From Kim Komando |
Quick privacy tip: Task Manager on a Windows PC and Activity Monitor on a Mac give you an overview of everything happening on your machine. On a PC, hit Ctrl + Shift + Esc. Click the Processes tab. On a Mac, hit Cmd + spacebar to open Spotlight Search. Then, type Activity Monitor and press Enter. See anything weird? Google it before you panic. Join 575K people who get tech smart with my friend Kim Komando’s free newsletter, The Current. |
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🏢 Commercial Real Estate May Keep Declining For Longer |
The COVID-19 pandemic added gasoline to the fire of the work-from-home movement, which had one of the longest-lasting business impacts of the pandemic. |
As such, commercial real estate prices cratered for the third time since 1989. |
As with most markets, future expectations are baked into the price. Corporations have been pushing for “RTO” (Return To Office) lately, including via strong mandates. JPMorgan, Goldman Sachs and Amazon are just a few of the corporations that have recently tightened their rules. |
But the pushback from employees, and the continued, growing desire for workplace location flexibility, is starting to melt the assumption that the corporate push for RTO will boost the commercial real estate market. |
More than 20% of offices sat vacant in the top 50 metro areas as of the end of 2024. Considering that the current price decline in corporate real estate isn’t as deep or as lengthy as the two other most recent declines (see below), pushback on RTO could put further downward pressure on the market. |
1989-93: -17% over 16 quarters |
2007-10: -35% over 9 quarters |
2023-24: -12.5% over 6 quarters |
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📊 Stat of the Day |
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💰️ Deal Alert: Today’s Top Deals |
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🎙️ Podcast |
 | Full Show: Travel Deals 2025 and Beware of Amazon Deliveries You Didn’t Order |
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There are so many great travel deals in January! If your wallet is OK after the holiday shopping season, it’s a really good time to find a deal, especially on cruises. Also, have you ever received a package from Amazon that you didn’t actually order? Watch out: it’s a scam! Clark explains how it works and what you should do if this happens to you. |
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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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