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b"One of the main ways you empower yourself with money is to owe less. Americans are taking on more and more credit card debt now for lifestyle, and over 40% of card holders are just servicing the debt. Learn Clark smart ways to start digging out. Also, AI is in the news constantly. Artificial Intelligence will open up so many new ways of doing things, but there are major concerns and dire predictions. Clark lends historical perspective on how tech changes the nature of work.\\xa0\\n\\nReducing Debt: Segment 1\\n\\nAsk Clark: Segment 2\\n\\nAI Perspective: Segment 3\\n\\nAsk Clark: Segment 4\\n\\n\\nMentioned on the show\\n\\n[The Washington Post] 7 ways to lower your credit card debt after the Fed rate hike\\n\\nNew York Post : I was $70K in debt \\u2014 now I'm 'cash stuffing' to become a millionaire\\n\\nHalf of US Employees Earn Extra Cash on the Side, Survey Finds\\n\\n\\nHow To Get Out of Debt in 7 Steps\\xa0/\\xa0Debt Archives - Clark Howard\\n\\n\\nBackdoor Roth IRA: Advantages and Tax Implications Explained\\n\\nAsk Clark: What Is a Backdoor Roth IRA?\\n\\n\\nSquareUp.com\\xa0/\\xa0Best money transfer apps\\n\\n\\n300 million jobs could be affected by latest wave of AI, says Goldman Sachs\\n\\nElon Musk and Others Call for Pause on A.I., Citing \\u2018Profound Risks to Society\\u2019\\n\\nThe FTC should investigate OpenAI and block GPT over \\u2018deceptive\\u2019 behavior, AI policy group claims\\n\\nClark Howard's #1 Rule To Avoid Email Scams\\n\\nHow To Recognize and Report Spam Text Messages\\n\\nWhy You Should Never Click on Random Text Messages\\n\\n\\nClark.com resources\\n\\nEpisode transcripts\\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"