That’s how I broke the online impulse shopping. I allowed myself a budget. I shopped all I wanted putting things in the cart. At the end of the week, I delete the things I really didn’t want anymore, I move those I want, but can’t fit into the budget to saved to later. Which leaves only things I need and fit into my budget. But because I’m not telling myself no, psychologically I seldom buy anything at all. Never on impulse.
Every time I see an Orangetheory workout center i think they sell ice cream. It looks like a place that should serve ice cream or frozen yogurt, lol. Yeah, I need to exercise more, lol
I always put many things in my Amazon cart. I know I don't need them now. But they may be useful in the future for my job or hobbies. They are only in there so I don't have to search in the future when needed. But never get bought until actually needed or really decided that I would get my money's worth out of them.
When I return my vehicle before I leave the car I specifically asked the agent how much is my bill. Once their verbal statement agrees with my expectations then I don't really worry about it anymore because the receipt will match up
Clark, please tell me America will get back to the great years from the 1950s to early 2000s. We had 50 years of relative good economic times over all. What was so special about that time that it doesn't sound like it will ever be repeated in the foreseeable future?
I believe that "Auto-IRAs," for those without workplace savings plans, would go a long way towards increasing the savings rate. I realize that this is a very low priority for Congress, as it would not help many campaign contributors, nor is there any powerful business lobby pushing for it.
10:19 - on Benny Johnson’s channel on 4/21/2024 video they show how their car was broken into (smashed windows) in CA while on the property of a closed fast food restaurant … thankfully Producer Alex was not harmed .. he was in the car and able to fight the thieves … it happened so fast .. leave nothing of valuable or I.D.s of garage openers in your car in CA .. 🚨
On exercising, John Hancock, on its website, has an actuarial calculator. For me, I will die at age 92 exercising weekly (more truthful) and at age 93 exercising daily. Interesting!
I guess they didn't do their due diligence before visiting that po op hole, lots of videos about how they have ceramic tipped gloves that break windows with just a tap, 30 seconds your stuff is gone. My favorite is the guy that left booby trapped boxes for the crooks. Too bad they caught on and he had to stop. I'll never go back to the bay area that's for sure. For those that do go, some advice: leave nothing in vehicle, if a hatchback, leave that open. If not, leave rear windows open and vehicle unlocked. They break the rear windows so they can get to rear seat back latch to check for stuff in trunk. Also, load the po op app on your phone to help you avoid landmines. Or just don't go there, lol.
I come from the pain no gain generation and i have overdone exercise over the years . Symtoms could be lethargy well after doing exercise . Maybe a loss of arobic fitmess and strenght . I mountain bike as a primary form of exercise and staying at a level of zone 2 is the best level for maintaining fitness . Its a level where you can still have a conversation while your exercising . This would be a longer prolonged activity . I also do ligjt weightlifting. I also go for walks in my bare feet all in my 60s . So i am better at not overdoing . The key is listen to your body and maybe take the what the talking heads with a grain of salt .
I've never been an exercise, gym, lifting weights person. I prefer "The Gym Of Life". I have an ebike. Ride it as often as possible. Walks after meals are great too
@@acornsucks2111indeed. Especially as you get older… weight bearing exercise retains / builds muscle, but even more importantly it helps to build bone density.
@@chrisforker7487 You can pedal most e-bikes like regular bikes. In fact, many of them you have to pedal - it just takes less effort and extends the battery life. 💚
#BonusTerm - "OCFPD--Obsessive Compulsive Free Parking Disorder." Lol. Just kidding. Also, travelers should *never* leave a passport in a vehicle. Not just because thieves might "break in," but you might forget it, etc. in a taxi. Always keep it on you or in the hotel room, or hotel safe.
Covid caused short term price disruptions but continued very-low interest rates, record setting money printing, government forbearance on all types of loans, and inability to spend due to lock-downs caused crazy demand, which caused inflation. Out of control inflation started by the government then people demand higher wages (they got less than inflation of course) which led to more inflation. Said simply, you cannot increase the money supply (M2 in particular) over 25% and not expect inflation to track. It's a bit more complicated but saying covid caused inflation is not correct. Your viewers are informed enough to deserve the accuracy.
We completely welcome differing opinions! Agree with your turn of events, but all of these actions were a response to COVID's impact, the initial spark (as per your 1st sentence). 💚
Theft is completely legal in CA. Never ever leave anything in your car. Also, leave open the glove box and center console. If they see anything, they will take it.
Clark, part of what I discovered in writing my Master's thesis in human nutrition was that in attaining and maintaining optimal body fat levels, those from the ages of roughly 21-35 should do 10 hrs/week of anaerobic exercise while those over 35 need only 8 hrs/week of the same exercise. At 70 years of age, probably 6 hrs/week is optimal. It appears that 4 hrs/week of aerobic exercise is the maximal amount in reducing body fat. Anything beyond those amounts starts to become detrimental and will not further reduce body fat % via exercise alone. Anaerobic exercise reduces a higher total amount of body fat than aerobic exercise for the same amount of exercise time. Aerobic exercise does burn a higher % of fat but anaerobic exercise burns more total calories of fat. The reason is that anaerobic exercise burns more total calories than aerobic exercise for the same amount of exercise time. One should not confuse body weight with body fat %. The goal is to lose body fat not weight. In doing exercise, there is a likelihood that one will gain weight while losing body fat. The reason is that exercised muscle will store glycogen which cause muscles to hold water. If you drink 16 oz. of water you will gain 1 lb. Water is not fat. You are 1 lb. heavier but you are not 1 lb. fatter. P.S. If you want to lose weight, go into space. You will weigh nothing but you will still be just as fat. BYW, I am 79 years old and have a 6 pack of abs. I am obese by weight for my height but I have the body fat % of national level athlete. I workout 6 hrs/week with weights. Prior to hitting 70, I did 8 hrs/week of weightlifting. Two of my 60 music videos on TH-cam show how I looked at the age of 39 and 41 when I competed in bodybuilding, Back then I have a 24 pack of abs.
My plan is now that I don't have a car payment anymore, take that money and put it, in my emergency fund ,and start back riding my recumbent bike,4 miles every other day ,I am 70+ and trying to live my best life
That more than I thought people were saving! The older I get, the more I work out. Most of my friends are a lot younger than I am. I need to keep up with them.
I was tempted to buy gold coins one time as an investment. I thought about how much food I could buy with the amount of money for one gold coin... 500 meals?... and I said "No." Glad I did.
One of the bigger issues with inflation this time around is they reduced the portion sizes. A bag of Doritos went from $3 to $5-6 for the same size bag, but it's now half full of air instead of only 1/4 full of air. A box of rice was $2 for 8 oz. of rice. That same size box is now $3-4, but only contains 4 oz. of rice. See this with so many food items now. Restaurants have done the same thing, raised prices for menu items, but the portion sizes are tiny now compared to what they used to be. The size of a burger at Ted's Montana Grill is about 1/2 of what it was pre-pandemic/inflation, sports bars have smaller chicken wings/portions but the prices are higher, etc. For personal savings, I've always gone with "Pay yourself first." Paycheck comes in, at least 10-15% comes out before everything else and goes into savings/rainy day fund. Then the rest is budgeted for bills/expenses and any remainder goes into savings or retirement. Exercise is great, especially the older you get since it helps you stay flexible and strong. 150+ minutes of zone 2 cardio a week and a few days of lifting, plus get some hobbies that require activity like hiking or skiing. Great way to stay/look young ever as you get older. Listen to your body and take your rest days as well, just as important as getting the work outs in.
That’s how I broke the online impulse shopping. I allowed myself a budget. I shopped all I wanted putting things in the cart. At the end of the week, I delete the things I really didn’t want anymore, I move those I want, but can’t fit into the budget to saved to later. Which leaves only things I need and fit into my budget. But because I’m not telling myself no, psychologically I seldom buy anything at all. Never on impulse.
Great idea! 🧠👏🏻
Love this strategy! Sage advice, Clarkie! 🙌
Sss a a few x??pp@@Clark
Sure wish clark skips same old interduction. I skip that first 3 minutes. And some of hix repeated war stories.
Thanks for all you do!
Every time I see an Orangetheory workout center i think they sell ice cream. It looks like a place that should serve ice cream or frozen yogurt, lol. Yeah, I need to exercise more, lol
Thank you Clark
I always put many things in my Amazon cart. I know I don't need them now. But they may be useful in the future for my job or hobbies. They are only in there so I don't have to search in the future when needed. But never get bought until actually needed or really decided that I would get my money's worth out of them.
Thank You.
High % APY CDs scratch my itch to need to spend money and seeing the interest grow is motivating and satisfying
Good one! 🙌
When I return my vehicle before I leave the car I specifically asked the agent how much is my bill. Once their verbal statement agrees with my expectations then I don't really worry about it anymore because the receipt will match up
Clark, please tell me America will get back to the great years from the 1950s to early 2000s. We had 50 years of relative good economic times over all. What was so special about that time that it doesn't sound like it will ever be repeated in the foreseeable future?
Health insurance premiums are a joke.
I believe that "Auto-IRAs," for those without workplace savings plans, would go a long way towards increasing the savings rate. I realize that this is a very low priority for Congress, as it would not help many campaign contributors, nor is there any powerful business lobby pushing for it.
Consumers need to figure out needs over wants.
Americans have little to no self control. People feel entitled to buy what they want when they want. It’s a terrible death spiral.
💯
10:19 - on Benny Johnson’s channel on 4/21/2024 video they show how their car was broken into (smashed windows) in CA while on the property of a closed fast food restaurant … thankfully Producer Alex was not harmed .. he was in the car and able to fight the thieves … it happened so fast .. leave nothing of valuable or I.D.s of garage openers in your car in CA .. 🚨
Now adays so much hassels in renting cars. Or hotels or taking a flight with endless junk fees . stress etc.😢
On exercising, John Hancock, on its website, has an actuarial calculator. For me, I will die at age 92 exercising weekly (more truthful) and at age 93 exercising daily. Interesting!
Excellent advice on fiscal and physical health. Keep up with those great reminders for Clarkies. It's important to take care of your teeth, too!
💯
I guess they didn't do their due diligence before visiting that po op hole, lots of videos about how they have ceramic tipped gloves that break windows with just a tap, 30 seconds your stuff is gone. My favorite is the guy that left booby trapped boxes for the crooks. Too bad they caught on and he had to stop. I'll never go back to the bay area that's for sure. For those that do go, some advice: leave nothing in vehicle, if a hatchback, leave that open. If not, leave rear windows open and vehicle unlocked. They break the rear windows so they can get to rear seat back latch to check for stuff in trunk. Also, load the po op app on your phone to help you avoid landmines. Or just don't go there, lol.
We drive a 1991 vehicle 50 miles per week avg. Not so pretty but reliable.
Love it! 👏👏👏
I come from the pain no gain generation and i have overdone exercise over the years . Symtoms could be lethargy well after doing exercise . Maybe a loss of arobic fitmess and strenght .
I mountain bike as a primary form of exercise and staying at a level of zone 2 is the best level for maintaining fitness . Its a level where you can still have a conversation while your exercising . This would be a longer prolonged activity . I also do ligjt weightlifting. I also go for walks in my bare feet all in my 60s .
So i am better at not overdoing . The key is listen to your body and maybe take the what the talking heads with a grain of salt .
Thank you Team Clark.
Fake comment.by Clarky workers.😂😂😂
@@davetod9169 Fake news 💚
It’s about time you talked about the real problems in this economy the professional congress is destroying our country
Agreed.
Lobbyists don't lobby on our behalf. Make lobbying illegal then maybe we see some actual change.
Although this isn't a political podcast, Congress is sometimes a topic as it relates to money. 💚
I've never been an exercise, gym, lifting weights person. I prefer "The Gym Of Life". I have an ebike. Ride it as often as possible. Walks after meals are great too
lift some weights.
@@acornsucks2111indeed. Especially as you get older… weight bearing exercise retains / builds muscle, but even more importantly it helps to build bone density.
I’m not a genius, but an ebike offers zero health benefits other than getting fresh air!
@@chrisforker7487 You can pedal most e-bikes like regular bikes. In fact, many of them you have to pedal - it just takes less effort and extends the battery life. 💚
@@Clark it was somewhat in jest, i just don’t think I’d start with, I get my exercise on an ebike!
I haven't heard of pay in four...I had to look it up.
Also called Buy Now, Pay Later. Usually in 4 payments with apps like Affirm, Afterpay, Klarna, PayPal, etc... 💚
#BonusTerm - "OCFPD--Obsessive Compulsive Free Parking Disorder." Lol. Just kidding. Also, travelers should *never* leave a passport in a vehicle. Not just because thieves might "break in," but you might forget it, etc. in a taxi. Always keep it on you or in the hotel room, or hotel safe.
😂 #bonusterm 💚
“Tightening the screws” aka scamming their customers
what we are headed towards is gonna make
2008 look like a walk in the park. ''we have
no idea what is coming.''
Covid caused short term price disruptions but continued very-low interest rates, record setting money printing, government forbearance on all types of loans, and inability to spend due to lock-downs caused crazy demand, which caused inflation. Out of control inflation started by the government then people demand higher wages (they got less than inflation of course) which led to more inflation. Said simply, you cannot increase the money supply (M2 in particular) over 25% and not expect inflation to track. It's a bit more complicated but saying covid caused inflation is not correct. Your viewers are informed enough to deserve the accuracy.
We completely welcome differing opinions! Agree with your turn of events, but all of these actions were a response to COVID's impact, the initial spark (as per your 1st sentence). 💚
Theft is completely legal in CA. Never ever leave anything in your car. Also, leave open the glove box and center console. If they see anything, they will take it.
Clark, part of what I discovered in writing my Master's thesis in human nutrition was that in attaining and maintaining optimal body fat levels, those from the ages of roughly 21-35 should do 10 hrs/week of anaerobic exercise while those over 35 need only 8 hrs/week of the same exercise. At 70 years of age, probably 6 hrs/week is optimal. It appears that 4 hrs/week of aerobic exercise is the maximal amount in reducing body fat. Anything beyond those amounts starts to become detrimental and will not further reduce body fat % via exercise alone. Anaerobic exercise reduces a higher total amount of body fat than aerobic exercise for the same amount of exercise time. Aerobic exercise does burn a higher % of fat but anaerobic exercise burns more total calories of fat. The reason is that anaerobic exercise burns more total calories than aerobic exercise for the same amount of exercise time.
One should not confuse body weight with body fat %. The goal is to lose body fat not weight. In doing exercise, there is a likelihood that one will gain weight while losing body fat. The reason is that exercised muscle will store glycogen which cause muscles to hold water. If you drink 16 oz. of water you will gain 1 lb. Water is not fat. You are 1 lb. heavier but you are not 1 lb. fatter.
P.S. If you want to lose weight, go into space. You will weigh nothing but you will still be just as fat.
BYW, I am 79 years old and have a 6 pack of abs. I am obese by weight for my height but I have the body fat % of national level athlete. I workout 6 hrs/week with weights. Prior to hitting 70, I did 8 hrs/week of weightlifting. Two of my 60 music videos on TH-cam show how I looked at the age of 39 and 41 when I competed in bodybuilding, Back then I have a 24 pack of abs.
It also is largely dependent on the type of exercise you do. Just walking/running just doesn’t cut it when you’re older. You need weight training too.
Amazing - 79 with 6 pack! 👏👏👏Thanks for sharing your master's thesis findings with your fellow Clarkies. 💚
My plan is now that I don't have a car payment anymore, take that money and put it, in my emergency fund ,and start back riding my recumbent bike,4 miles every other day ,I am 70+ and trying to live my best life
Sounds like a great plan! 🙌
@traybern it's better than nothing and I am not lying down, but you are entitled, to your opinion
@@barbarafallin2038 You go girl!
That more than I thought people were saving!
The older I get, the more I work out. Most of my friends are a lot younger than I am. I need to keep up with them.
Before I buy anything, I convert it into how many dinners I can make for my family with that money. It keeps me from buying crap I don't need.
Good strategy! 🙌
I was tempted to buy gold coins one time as an investment. I thought about how much food I could buy with the amount of money for one gold coin... 500 meals?... and I said "No." Glad I did.
One of the bigger issues with inflation this time around is they reduced the portion sizes. A bag of Doritos went from $3 to $5-6 for the same size bag, but it's now half full of air instead of only 1/4 full of air. A box of rice was $2 for 8 oz. of rice. That same size box is now $3-4, but only contains 4 oz. of rice. See this with so many food items now. Restaurants have done the same thing, raised prices for menu items, but the portion sizes are tiny now compared to what they used to be. The size of a burger at Ted's Montana Grill is about 1/2 of what it was pre-pandemic/inflation, sports bars have smaller chicken wings/portions but the prices are higher, etc.
For personal savings, I've always gone with "Pay yourself first." Paycheck comes in, at least 10-15% comes out before everything else and goes into savings/rainy day fund. Then the rest is budgeted for bills/expenses and any remainder goes into savings or retirement.
Exercise is great, especially the older you get since it helps you stay flexible and strong. 150+ minutes of zone 2 cardio a week and a few days of lifting, plus get some hobbies that require activity like hiking or skiing. Great way to stay/look young ever as you get older. Listen to your body and take your rest days as well, just as important as getting the work outs in.
💯Shrinkflation is real. Great tips, Clarkie!
''the more i buy, the more i'm bought.''
Ariana Grande: I want it I got it
Which means millions of Americans are saving nothing at all...not even 3 cents.
What Asia save 33%, that is insinly high. But what they do with it? I know people that save, and they have no idea what to do with it.
That's where podcasts like us come in! We tell you the best places to park your savings depending on when you may need it and your goals. 💚
you don't get it , do you? We're in a recession, jobs are floundering? how do people save, you momo?
Video recognizes that for some people, "there is no spare money." Not talking to them. This is for people who can save but are not. 💚
@@Clark believe me, if I had a job, I would save $20,000. But no jobs, even though they are lying with the numbers
There's crime unfortunately in all states.
IT'S A SCAM PEOPLE!!!!❌❌❌❌❌❌❌❌❌❌❌❌❌❌