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💵 Today’s Top Stories
You can’t fall for a phone scam if you don’t … well, let’s ask Clark to finish that sentence. Clark explains how to avoid common phone scams with one simple rule. Read more.
Here’s the ultimate comparison between a Big Three cell phone provider (Verizon) and the much cheaper prepaid provider on the same network (Visible). Read more.
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Streaming prices are going up, up and away, which is particularly challenging for those on a fixed income. Here are some strategies you can use to curate the lowest possible bill. Read more.
Traveling internationally and getting through security with kids can be stressful. But you can skip the longest lines with Global Entry – and may be able to get it for free. Here’s how. Read more.
💵 Today’s Top Savings Rates
Check out our updated list of Clark.com-approved high-yield savings accounts with the highest rates. Here are the top five APYs on our list as of April 23, 2026.
⌚ Reminder: Trying To Time the Stock Market Isn’t the Best Idea
The S&P 500 set record highs on April 15 and 17.
Following that, popular investing newsletter Opening Bell Daily included an interesting stat about the market’s long-term performance.
“Since 1989, money invested when the market is at all-time highs has actually outperformed money invested on any given day,” the caption reads.
YCharts data suggests that money invested at new all-time highs (vs. all other time periods) has outperformed over 1-year (+13.6% vs. +11.9%), 3-year (+46% vs. +39%) and 5-year (82% vs. 74%) periods.
This is yet another reminder of the intelligence of dollar-cost averaging, which Clark mentions often. As well as one of many fallacies that people may stumble upon when trying to time the market.
We also know that some of the biggest stock market gains come on very few days, very soon after steep drops.
In other words, the market is unpredictable. Every now and then, buying a little more when prices are lower can be a decent strategy. But if you’re trying to sell when the prices are high, or sell when prices are going lower, you’re taking a big, speculative risk.
Clark suggests you invest in the market steadily over time, ideally by setting aside a percentage of each paycheck.
📊 Stat of the Day
🍎 $240,000: Approximate value of Apple stock with dividends reinvested if you bought $10,000 of the stock when Tim Cook took over as CEO on Aug. 24, 2011, and held it until April 20, 2026, when he announced he will step down.
💰 Deal Alert: Today’s Top Deals
🎙 Podcast
Clark tackles the delicate and often avoided conversation of merging finances with a significant other. Whether you are getting married for the first time later in life or entering a second marriage, the transition from total financial independence to shared responsibility can be jarring. Clark warns against the modern trend of "financial secrecy" and explains why silence is the enemy of a healthy relationship. Also, Clark revisits the popular dream of retiring on a cruise ship. While "living at sea" used to be a brilliant financial hack, the post-COVID landscape has changed the math entirely. With cruise lines enjoying a new golden era of high demand, the cost of a year-round cabin has skyrocketed. Clark breaks down the current reality.
☎ 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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