Full Show: Who Should Apply for Premium Credit Cards? and Best Retirement Option for Almost Everyone

A new trend is taking off — people with dozens of credit cards are racking up rewards and free travel. But Clark says this game isn’t for everyone. He explains who really benefits from credit card rewards and why most Americans would be better off with a simple 2% cash-back card instead of chasing points. Also, Clark turns to your retirement plan. With new IRS tax brackets on the way, he breaks down why Roth 401(k)s make more sense than ever for most savers — and the rare cases when a traditional 401(k) might still win. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 27, 2025, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask Related resources https://clark.com/credit-cards/2-perc... https://clark.com/cash-back-credit-ca... https://clark.com/personal-finance-cr... 00:00 - Intro 01:18 - Who Should Apply for Premium Credit Cards? 09:24 - Ask Clark - Should I cancel my Alaska Airlines credit card after the annual fee hike and replace it with a no-fee cash-back card — or keep it for the 20+ year credit history? (Nan, Texas) 12:15 - Ask Clark - How can I limit corporate data collection and targeted tracking from credit-card issuers and big banks without “living under a rock”? (Lori, Texas) 14:12 - Ask Clark - If I redeem Citi Double Cash as a statement credit and it creates a credit balance that pays the entire statement, do I lose the extra 1% reward? (Helene, Maryland) 15:50 - Best Retirement Option for Almost Everyone 21:26 - Ask Clark - If my child won’t use a 529 and I’ve saved $150K, can I roll more than $35K into a Roth IRA — and what happens to the remaining funds? (Anthony, New Jersey) 24:17 - Ask Clark - A doctor billed me again months after I paid at the visit — how do I avoid surprise medical bills and when should I wait for the insurer’s EOB before paying? (Jeff, Florida) 26:38 - Ask Clark - If I open a secondary bank account to isolate payment-app risk (Venmo, PayPal), does linking the two accounts create a vulnerability where a hacker could jump from the secondary account to my primary bank? (Steve, New York) 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/