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b'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'