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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