Full Show: #1 Reason Why ETFs Beat Mutual Funds & Truth About Pet Wellness Plans

Описание: Clark breaks down two common terms investors need to understand: ETFs (Exchange-Traded Funds) vs. mutual funds. Clark reveals why ETFs are generally the superior choice for your non-retirement accounts. Also, we love our pets and pet wellness plans sound like a solid option for affordable vet care – but there’s a major catch you need to know before you buy one.

Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the February 23, 2026, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask

Related resources:
https://clark.com/personal-finance-cr...
https://clark.com/insurance/pet-insur...

00:00 - Intro
01:19 - ETFs vs Mutual Funds
07:19 - Ask Clark - Should I limit HSA transfers to once per year to avoid HealthEquity’s surprise $25 fee, or is there a better way to deal with a provider that traps your money? (Jeffery, North Carolina)
10:35 - Ask Clark - When adding more term life insurance after income increases and having young children, should coverage be based on today’s salary or future expected earnings—and how long should the new policy last? (Cory, Ohio)
12:38 - Ask Clark - If I’m covered by my wife’s employer health plan with an FSA but no high-deductible plan, is there any legal way for me to open and fund an HSA? (David, California)
16:14 - Pet Wellness Plans
20:28 - Ask Clark - After paying off collections and getting a new credit card, why did my credit score drop—and how can I rebuild credit safely without carrying debt? (Christina, Florida)
23:57 - Ask Clark - Is there any benefit to both spouses keeping Southwest credit cards if only one card is used and the other has a $95 annual fee? (Milt, California)
26:37 - Ask Clark - Are balance-transfer “convenience checks” that banks mail out dangerous, and should I cancel cards that keep sending them? (Matt, Illinois)

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