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💵 Today’s Top Stories
Clark cautions against moving abroad impulsively. But more than 1% of Americans live in other countries, and it’s common now even outside of retirees. These countries will even pay you to live there. Read more.
Fraud alerts are supposed to protect you. But sometimes fraudsters send fake ones. Here’s how to “be your own police officer” in this situation, as Clark explains. Read more.
Homeowners insurance often doesn’t cover issues related to your water and sewer lines. So should you get insurance on those or cover it with your own emergency fund? Read more.
Clark has mentioned small issues with Vanguard this decade. Is Schwab now the best place to invest and bank? Read more.
🥐 Reviewing a Money-Saving Food Pickup App
Clark’s No. 1 travel rule is to find the deal first, then figure out your destination (and what you’re going to do once you get there).
But what if you applied that principle to … eating?
That’s the idea behind Too Good To Go, an app that connects grocery stores and restaurants with customers to cut down on food waste.
The stores get to reduce food waste and the customers get food at a discount that can be 50% or more. The food is considered “surplus.” It’s “perfectly good food,” Too Good To Go says. But it may otherwise end up in a dumpster.
Too Good To Go currently operates in at least 29 U.S. cities with explicit plans to continue expanding.
You pick a “Surprise Bag” from available options near you. Options by the Team Clark member who tested the app include Whole Foods, Dunkin’, Circle K, Krispy Kreme, IKEA and several dozen others.
Popular foods include bakeries, bagels, pizza, supermarket food lines and more.
Users rate each “Surprise Bag” on a scale from one to five stars. So while each restaurant has some discretion about what and how much to include, it becomes obvious which options are better and worse.
(A place called ArmBread promises a 3-pound bag for $4.50 and has a 4.9 user rating, while a Circle K Surprise Bag of $3.99, ready-to-eat goods that “may include sandwiches, wraps, salads, snacks, pastries, chips or fresh produce,” sports a 3.0 rating.)
One of our orders from Mi Bandera Supermarket came with heaps and heaps of food for less than $10 – probably enough to feed a family of six or seven to beyond full. But we didn’t particularly enjoy a few of the included items.
You have some idea of what may be included (we picked a “bakery bag” from Whole Foods), but won’t know for sure until you pick up the bag in person within a designated time window.
If you’re an adventurous (or at least open-minded) eater, it can be a great way to occasionally save big bucks on food while helping to cut down on waste.
📊 Stat of the Day
💸 $56: Average Social Security benefit increase in 2026 due to a 2.8% cost-of-living adjustment. The adjustment peaked at 5.9% and 8.7% in 2022 and ’23, respectively, after a period of high inflation. Early estimates for the 2027 COLA adjustment range from 1.2% to 3.1% and could be lower than ’26.
💰 Deal Alert: Today’s Top Deals
🎙 Podcast
As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see what it actually means for your portfolio. Despite some "ancient history" revisions from 2025 that initially painted a gloomy picture, the January 2026 jobs report tells a much more resilient story. Whether you’re managing a business or a retirement timeline, understanding these labor trends is key to staying invested with confidence.
☎ 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.






