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b"Welcome to a SPECIAL EDITION of\\xa0 the Clark Howard Show, where our mission is to serve and empower you to make better financial decisions in your life. Today, Clark hits on a few key basic strategies to have more money in your life: They are:\\n- SPEND LESS: Need vs. Wants and how to tell the difference\\n- Clark\\u2019s strategy to start saving TODAY for retirement - regardless of your age\\n- SAVE MORE on transportation\\n- AVOID GETTING RIPPED OFF by protecting your identity and credit\\nSegment 1: Behavioral - Back to basics on needs vs. wants\\nSegment 2; Start saving today for retirement\\n\\nBegin with 1%, or up to an employer match if possible and available\\xa0\\n\\nWhen you get a raise, pretend you didn\\u2019t and increase your contribution\\n\\n\\nSegment 3: Only buy a car you can afford\\n\\nIf you have to take a loan, 42 months maximum\\n\\nCompare loans\\n\\nConsider buying used\\xa0\\n\\n\\nSegment 4: Protect your identity\\n\\nDon\\u2019t ever carry checks or your Social Security card\\n\\nYour credit is the key to your identity -Freeze your credit!\\xa0\\n\\nDon\\u2019t use a debit card\\n\\nUse virtual card numbers online\\n\\n\\nMentioned on the show:\\n\\nSix Essential Questions to Ask Yourself Before Making a Major Purchase\\n\\nAdvice | Fear of missing out can keep you broke. Fight the spending temptation.\\n\\nWhy are sales so hard to resist? It's your brain, on discounts\\n\\n\\nHow To Save Money: Spend Less & Build Your Savings\\xa0 /\\xa0 Save Money Archives\\n\\n\\nHow To Save and Invest the Clark Howard Way\\n\\nAvoid the #1 Mistake That Car Buyers Make\\n\\n\\nClark.com - Buying A Used Car /\\xa0 How To Buy A Vehicle\\n\\n\\nShould I Ever Buy Extras Car Dealerships Sell in Their F&I Departments?\\n\\nHow To Prevent, Report and Repair Identity Theft\\n\\nDo Not Give Your Social Security Number at These Places\\n\\n7 Items You Should Never Carry in Your Wallet\\n\\nWhy You Should Never Mail a Check\\n\\nHow to Freeze Your Credit With Experian, Equifax and TransUnion\\n\\nWhy You Should Never Use a Debit Card To Pay for Anything\\n\\nThe Safer Way To Use Your Debit Card\\n\\nVirtual Credit Cards: An Online Security Measure Worth Taking?\\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"