5 most stolen vehicles (12 3 25)

💵 Today’s Top Stories
Cars

Can you guess the two most stolen vehicles in the U.S. (by far)? Does the car you drive make the list of the most stolen models? And how do you stop would-be car thieves? Read more.

send money payment app

Clark is shocked by how much money 50% of parents give their adult children each month. What’s more, parents are sacrificing their own financial security to do so. Read more.

Have you been dragging your feet to get a Real ID? If you are planning to fly, be prepared for extra-long waits and to pay this new TSA fee that will only cover you for 10 days. Or have one of these approved alternatives ready to go. Read more.

Clark Howard credit cards

December is bringing some of the most lucrative credit card sign-up bonuses we've seen all year. We reveal the top offers this month, including a bonus that could net you as high as 175,000 points for your next big trip. Read more.

💵 Economy Splintering Into Haves, Have Nots

A touch of stock market fear, a still-struggling housing market, and the likelihood of more interest-rate cuts on the horizon paint at least a slightly pessimistic picture of our current economy.

Yet record Black Friday sales figures and ongoing holiday spending like we’ve never seen before tell a different story.

Gen Xers (born between 1965 and 1980) plan to increase their spending from $1,916 to $1,980 this holiday season.

Gen Zers (born between 1997 and 2012) are cutting their spending from $1,282 last year to $850 this year, despite many of them aging into a period typical of wage growth (20s).

“Buy now, pay later” (BNPL) spending increased 9% year-over-year this Black Friday, with 41% of shoppers ages 16 to 24 partaking. BNPL usage increased 87% among younger millennials.

In other words, there’s a huge difference between the haves and have-nots in the economy right now.

That makes “keeping up with the Joneses” a dangerous proposition for many, with credit card and “BNPL” debt a tempting short-term financial Band-Aid.

And Clark’s “spend less, save more” road, though sometimes less traveled and certainly less glamorous, is as important as ever.

📊 Stat of the Day

🏡 85,000: The approximate number of U.S. home sellers that took their listing off the market in September. Delistings are up 28% year-over-year and are at the highest level for a September in eight years. Nearly three-quarters of the listings were on the market for at least 60 days.

💰️ Deal Alert: Today’s Top Deals
Costco
Credit card vs. cash
🎙️ Podcast

Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa talk about a huge warning if you’re considering it. Also, Wes shares a powerful story about the key to winning your 401(k). The story illustrates a real-life outcome for many Americans, emphasizing how a few years' delay or a few percentage points of savings are huge variables that compound over time.

☎️ 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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