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b"Right now in the U.S. we have record credit card debt, a huge stressor on so many.\\xa0 To add insult to injury, supposed credit repair companies make things worse for those struggling to get back on their feet. What you need to know.\\xa0 Also, Clark translates the scare stories out now about the stock market and offers direction for investors.\\xa0\\xa0\\xa0\\n\\nDebt Relief Scams: Segment 1\\n\\nAsk Clark: Segment 2\\n\\nInvesting & Dollar-Cost Averaging: Segment 3\\n\\nAsk Clark: Segment 4\\n\\n\\nMentioned on the show:\\n\\nAmericans\\u2019 credit scores are falling. That hasn\\u2019t happened in a decade\\n\\nMaxed Out: Inside America's Credit Card Debt Crisis -- and What We Do Next\\n\\nNYTimes: Judge Blocks Debt Settlement Company From Resuming Operations\\n\\nCarrying credit card debt? How to avoid debt relief scams\\n\\nHow To Send a \\u2018Drop Dead\\u2019 Letter to a Collection Agency\\n\\n6 Things To Know Before Contacting the National Foundation for Credit Counseling\\n\\nClark Howard's 2024 Credit Card Debt Elimination Strategy\\n\\nIs an HSA the Best Way To Save for Future Medical Expenses?\\n\\nWill Social Security Run Out?\\n\\nShould investors keep riding the US markets runaway train?\\n\\nBarrons.com: Worried About Investing in a Frothy Market? Try Dollar-Cost Averaging.\\n\\nShould You Sell or Stay Put in the Stock Market? (Clark.com)\\n\\nBest Investment Companies for Investors in 2024\\n\\n5 of Clark Howard's Most Extreme Frugal Hacks\\n\\n\\nThank you for listening today, Clarkies! If you want to be part of our \\u201cClarkie\\u201d segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!\\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"