The Clark Howard Podcast
by Clark Howard
Latest Business Ideas
CD Ladder Management Tool
Market Gap: Savers need a strategy to maximize interest returns amidst fluctuating rates.
This business idea involves creating a CD ladder management tool that helps individuals implement and manage their CD ladder strategy efficiently. The tool would allow users to allocate their savings across multiple CDs with different maturity dates, optimizing their interest returns while maintaining access to a portion of their funds at regular intervals. Features could include a built-in calculator to project potential earnings, reminders for when CDs are maturing, and recommendations for reinvestment based on current interest rates. This service targets individuals looking to maximize their savings returns in a low-interest environment while managing the complexities of multiple CD investments.
From: 09.29.25 This Open Enrollment Is Different / A Good Climb: CD Ladders
Health Insurance Comparison Platform
Market Gap: Individuals face challenges navigating complex health insurance options.
This business idea involves creating a health insurance comparison platform specifically designed to help individuals navigate the complexities of choosing health plans during open enrollment periods. The platform would aggregate available health plans, providing clear comparisons of coverage options, costs, and customer reviews. Users could input their personal health needs and financial situations to get tailored recommendations. Additionally, the platform could include educational resources to help users understand the nuances of health insurance, along with alerts for potential fraudulent plans. This service would cater to individuals and families looking for affordable and appropriate health coverage, especially in light of rising costs and legislative changes.
From: 09.29.25 This Open Enrollment Is Different / A Good Climb: CD Ladders
Digital Estate Planning Service for Subscriptions
Market Gap: Individuals lack a clear plan for managing digital assets after death.
A Digital Estate Planning Service focused on managing digital subscriptions and assets could provide individuals and families with the tools they need to prepare for the future. The service would allow users to document their digital assets, including subscription services, social media accounts, and financial information, in a secure and organized manner. It could offer features such as password management, legal document templates for wills, and guidance on how to ensure digital assets are transferred according to the user's wishes. This service would target individuals preparing for their estate planning needs, particularly those with substantial digital assets.
From: 09.26.25 Clark Answers His Critics on Clark Stinks / Amazon Prime Family Shipping
Family Membership Management App for Digital Subscriptions
Market Gap: Families struggle to manage shared subscriptions across different addresses.
A dedicated Family Membership Management App could help users organize and manage digital subscriptions like Amazon Prime, Netflix, or Hulu across multiple household addresses. The app would allow users to create a family group, manage payments, and share access within legal limits while ensuring all users are informed about the sharing policies. Additionally, it could automate billing and notifications for renewal dates, helping families avoid lapses in subscriptions. The target audience would be families with members living at different addresses who wish to optimize their subscription spending while ensuring compliance with provider policies.
From: 09.26.25 Clark Answers His Critics on Clark Stinks / Amazon Prime Family Shipping
Retirement Cost Calculator Tool
Market Gap: Individuals lack clarity on retirement living costs in different states.
This business idea involves creating a web-based tool or mobile application that allows users to calculate their projected retirement expenses based on their desired location. Users would input their current savings, expected retirement age, and lifestyle choices (such as housing, healthcare, and leisure activities) to receive a tailored estimate of how much they will need to retire comfortably in various states. The tool could incorporate real-time data on living costs, healthcare expenses, taxes, and other financial considerations, providing users with a clear comparison of different retirement locations. This service would target individuals who are planning for retirement and are looking for accurate, location-based financial insights to help them make informed decisions about their future.
From: 09.24.25 The Geography Of Retirement / Fast Food Value Wars
Fast Food Discounts Aggregator App
Market Gap: Consumers struggle to find the best fast food deals amidst inflation.
The proposed business idea is to create a mobile application that aggregates fast food discounts and promotions from various chains into one user-friendly platform. This app would notify users of exclusive deals available only through the app, helping them save money while dining out. The app could feature a user-friendly interface that allows consumers to browse through nearby fast food options, view current promotions, and even compare prices across different chains. Additionally, it could integrate with location services to provide personalized recommendations based on user preferences and proximity to restaurants. This platform would cater to budget-conscious consumers looking to maximize their savings when eating out, especially during inflationary periods.
From: 09.24.25 The Geography Of Retirement / Fast Food Value Wars
Self-Employed Retirement Planning Platform
Market Gap: Self-employed individuals struggle to save for retirement effectively.
The business idea is to create a platform that simplifies retirement planning for self-employed individuals, specifically focusing on options like the SEP IRA. The platform can provide resources, tools, and easy account setup with low-cost providers like Fidelity or Vanguard. The platform would educate users on how much they can contribute, the tax benefits, and the flexibility offered through a SEP. The target audience includes freelancers, contractors, and small business owners who often lack knowledge about retirement savings options. Additionally, the platform could offer personalized retirement planning consultations and integration with tax software to streamline the process.
From: 05.18.22 Self-Employed Retirement Planning / Road Trip Auto Maintenance Tips
Health Savings Account (HSA) Management Tool
Market Gap: Self-employed individuals lack awareness of utilizing HSAs for retirement savings.
The business idea is to create a management tool for Health Savings Accounts (HSAs) targeted at self-employed individuals. This tool would educate users on how to open, contribute to, and invest their HSA funds effectively. It could offer features like tracking contributions, providing investment options, and reminders for annual limits. The platform would also include educational resources explaining the tax advantages of HSAs and how they can be utilized for retirement healthcare costs. The audience would primarily be freelancers and small business owners who are eligible for HSAs and are seeking to optimize their financial strategies. This tool could be integrated with existing financial apps to provide a comprehensive financial management solution.
From: 05.18.22 Self-Employed Retirement Planning / Road Trip Auto Maintenance Tips
Instant Life Insurance Approval Platform
Market Gap: Life insurance approval processes are lengthy and frustrating.
The idea is to develop a digital platform that offers instant life insurance approval by leveraging industry databases to assess applicants quickly. Users would fill out a simple online form, and within minutes, they would receive a decision on their eligibility. This platform could partner with multiple insurance providers to offer a range of policy options and pricing, ensuring users can find competitive rates. By simplifying the application process, this service would appeal to tech-savvy individuals looking for quick solutions in an increasingly fast-paced world. Target users would include young professionals and families seeking affordable life insurance without the usual delays.
From: 05.19.22 Bogus Financial Advisors Cost You / Cell Phone Plan Deals
Affordable Prepaid Cellular Service Comparison Tool
Market Gap: Consumers struggle to find affordable cell phone plans.
This business idea involves creating a comparison tool that aggregates various prepaid cellular service plans, allowing users to filter options based on price, data usage, and additional features. The platform could include user reviews and ratings to enhance decision-making. Users would be able to input their average data usage and preferences, and the tool would recommend the best plans available in their area. By focusing on affordability and transparency, this service would cater to budget-conscious consumers seeking to save on their monthly bills. It would target individuals and families who want to switch from traditional carriers to more cost-effective solutions.
From: 05.19.22 Bogus Financial Advisors Cost You / Cell Phone Plan Deals
Recent Episodes
09.29.25 This Open Enrollment Is Different / A Good Climb: CD Ladders
Host: Clark Howard
09.26.25 Clark Answers His Critics on Clark Stinks / Amazon Prime Family Shipping
Host: Clark Howard
2 ideas found
05.18.22 Self-Employed Retirement Planning / Road Trip Auto Maintenance Tips
Host: Clark Howard
2 ideas found
05.19.22 Bogus Financial Advisors Cost You / Cell Phone Plan Deals
Host: Clark Howard
3 ideas found
09-22-25 Investing With Robinhood / Price Concessions At The Movies
Host: Clark Howard
2 ideas found
09.19.25 Clark Answers His Critics on Clark Stinks / HOTELS: What’s In A Name
Host: Clark Howard
09.17.25 A Homebuyer’s Budget Reckoning / First Hand Knowledge Of Second Hand Stores
Host: Clark Howard
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