[thefourthchime]

Fair, he is a media personality. That said, I've read a Jim Cramer book, I've listened to Dave Ramsey. Those guys are charlatans selling mysterious wisdom and, frankly, bullshit. Clark Howard doesn't do any of that.

Dave Ramsey once said anyone should be able to get a 12% return in a mutual fund. What?? Jim Cramer's constantly picking stocks and is about as good as a drunk monkey with a dartboard.

Everything Clark Howard has said that I've looked at doing, I've vetted and researched. Sometimes he gets it wrong, but I believe he is an honest actor and just trying to help people "Save money, Spend less, and avoid getting ripped off."

Honestly, nobody knows, but I put more weight on his take than most.