Open Enrollment Warning and Is Now a Good Time for a CD?

With major changes coming to both employer-sponsored and individual plans, Clark walks you through what you need to do during this year's open enrollment. He explains why premiums are going up, the growing trend of employers giving you money to shop for your own plan, and a big warning about fake health insurance plans you may see on the market. Also, Clark revisits the timeless strategy for savers: a CD ladder. With interest rates in flux, he explains why this is the perfect way to "park" money you're not ready to invest, earn more interest, and still have access to funds when you need them.

Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 29, 2025, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask

Mentioned on the show:
https://clark.com/personal-finance-cr...
https://clark.com/cd-ladder-calculator/

00:00 - Intro
01:42 - Open Enrollment Warning
07:32 - Ask Clark - Should I opt out of class action arbitration changes with T-Mobile and CenturyLink? (Mike in Colorado)
11:02 - Ask Clark - Can a merchant add hidden charges after a purchase, and what recourse do I have if PayPal denies my dispute? (Ed in Oklahoma)
13:56 - Ask Clark - How was my Lowe’s credit card approved even though my credit reports were frozen? (Roman in New York)
17:08 - Is Now the Time To Get a CD or CD Ladder?
21:30 - Ask Clark - Should I use Roth IRA funds to pay off credit cards and cover my daughter’s college costs? (Tim in Pennsylvania)
25:03 - Ask Clark - Is a HELOC a smarter option than credit cards for future home projects? (Kathryn in Florida)
26:05 - Ask Clark - Is it a good idea to use a dedicated phone at home only for two-factor authentication, and are there cheaper text-only plans than $5/month from Tello? (Lynn in Delaware)



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