If you have holiday gifts you plan on taking or sending back, you need to know how return policies have changed, and act quickly. Clark explains. Also today, companies should emulate a recent move by a major airline to help employees with their finances.\xa0\n\nRestrictive Return Policies: Segment 1\n\nAsk Clark: Segment 2\n\nDelta\u2019s Emergency Savings Fund: Segment 3\n\nAsk Clark: Segment 4\n\n\nMentioned on the show:\n\nWSJ.com: Retailers Enlist AI in Fight Against Returns\n\nReturn Policies Have Gotten More Annoying This Holiday Season - The WSJ\n\nHoliday Returns: Guidelines and Return Dates for Major Retailers\n\nHow To Get a Gym Membership for Practically Free\n\nRetirement Accounts Are the New Emergency Funds\n\nDelta offers employees $1,000 for emergency savings, 33,000 sign up\n\nThe Best Place To Buy a Mattress\n\nAmica - Get a RV & Trailer Quote\n\n\nClark.com resources\n\nEpisode transcripts\n\nCommunity.Clark.com\n\nClark.com daily money newsletter\n\n\nConsumer Action Center Free Helpline: 636-492-5275\n\n\nLearn more about your ad choices: megaphone.fm/adchoices\nLearn more about your ad choices. Visit megaphone.fm/adchoices