Full Show: Why Retirees Are Returning to Work & Hidden Privacy Danger of Lab Tests

Clark explores the growing "unretirement" trend, noting that nearly half of retirees who return to the workforce do so out of financial necessity rather than choice. He shares several strategies that can help prevent this from happening to you. Also, while consumers often assume their medical data is secure, Clark points out that HIPAA protections generally only apply to traditional healthcare environments like hospitals and doctors' offices, leaving data from health-tech startups in a legal gray area. This sensitive information can become a vulnerable asset if a company faces bankruptcy, potentially impacting a consumer’s future insurance, mortgages, or employment. Because federal and state laws are often silent on these specific privacy standards, Clark suggests a unique, cautious approach. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the March 11, 2026, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask Related articles: https://clark.com/personal-finance-cr... 00:00 - Intro 01:08 - Why Retirees Are Returning to Work 06:13 - Ask Clark - Should I switch my Fidelity Zero mutual funds in my taxable account to ETFs because of taxes, or are they fine to keep? (Eric, Massachusetts) 08:11 - Ask Clark - How can my brother buy me out of our inherited house with little cash—refinance or sell? (Marc, Illinois) 11:38 - Ask Clark - Should I use my bonus to pay off my 6.125% mortgage or 4.125% car loan first? (Chris, Ohio) 13:55 - Hidden Privacy Danger of Lab Tests 17:36 - Ask Clark - Can I cancel a 3-year gym contract early, or am I stuck paying? (Steven, Ohio) 20:43 - Ask Clark - How do we adjust our withholdings so our $3,000 tax refund goes to zero next year? (Anne, Florida) 21:48 - Ask Clark - After hitting the $35k 529-to-Roth limit, should we keep funding 529s or invest elsewhere? (Rachel, Oklahoma) Clark.com: Advice You Can Trust: SUBSCRIBE:    / clark   Listen To The Clark Howard Podcast: https://clark.com/podcast Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/3lrwhe2... iHeartRadio: https://www.iheart.com/podcast/8-the-... Follow Us for More Money Tips: Website: https://clark.com/ Podcast: https://clark.com/podcasts/ Newsletter: https://clark.com/newsletters/ Instagram:   / theclarkdotcom   Facebook:   / clarkhoward   Need Consumer Advice? The Consumer Action Center is a free resource for advice on money and consumer issues. Call 636-49C-LARK (636-492-5275) and a member of Team Clark will assist you as soon as possible. The Consumer Action Center is available Monday-Friday from 10 a.m. to 4 p.m. ET. If you found this video valuable, give it a like. If you know someone who needs to see it, share it. Leave a comment below with your thoughts. Add it to a playlist if you want to watch it later. Our Promise to You: At Clark.com and ClarkDeals.com, we do not get paid for endorsements or reviews of any product or service, nor do we allow advertisers to place paid content on our sites. More information: https://clark.com/ad-disclosure/