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For the last 20 years,\xa0the tech industry freemium business model has worked to get people using a service. That was the land grab phase. Now investors want a return. Also - How effective is the personal finance education offered in schools? Is it enough?\xa0Clark discusses basic ways to greatly improve financial literacy for a lifetime.\n\nFree Tech Tiers Ending: Segment 1\n\nAsk Clark: Segment 2\n\nFinancial Education: Segment 3\n\nAsk Clark: Segment 4\n\n\nMentioned on the show\n\nTech companies to free users: Time to pay up\n\nCostco Anywhere Visa\xae Card by Citi Review: Earn Wholesale Club and Gas Rewards\n\nShould I Buy Additional Insurance From a Rental Car Company?\n\nCredit Card Car Rental Insurance: What You Need To Know\n\nThe case for financial literacy education\n\nHow to Teach Young Kids About Money\n\n6 Tips to Teach Teenagers About Money\n\n4 Ways To Raise Financially Independent Kids\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