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Planning a cruise? Clark, a 25-time cruiser, explains why demand is softening and how you can use this to your advantage. Learn how to re-shop existing bookings for upgrades or savings, and get Clark's expert tips for finding the absolute best cruise deals by being flexible. Also, imagine building an apartment complex in 22 months instead of 5 years! Clark uncovers a groundbreaking Brooklyn project built like a Lego set, slashing construction time and costs by a third. Discover how modular building is transforming affordable housing and why the U.S. needs to embrace this imaginative solution. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 9, 2025, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask Note: Due to a camera issue on the first half of the episode, the angle featuring both Clark and Christa was unavailable. We were only able to capture Clark’s solo shot during that portion. Related resources https://clark.com/credit-cards/best-c... https://clark.com/travel/reshop-cruis... https://clark.com/about-consumer-acti... 00:00 - Intro 01:04 - Why Now Is a Great Time for Cruise Deals 05:15 - Is it safe to book cruise excursions through Viator or Shore Excursion Group instead of the cruise line? (Liz in New York) 08:11 - How can I use Google Flights to find cheaper international flights from coastal cities if I don’t live near one? (Wes in Missouri) 13:09 - Is a Capital One 360 account a good option for reliable ATM access while traveling abroad? (Bill in Delaware) 16:44 - The Future of Affordable Housing 21:20 - Should I install solar panels now to secure incentives, or wait a few years post-renovation? (Shirley in California) 23:13 - Is there a good replacement for the Bluebird Prepaid Card now that Amex is canceling it in 2026? (Tee in Ohio) 24:41 - How can I protect myself from losing use of my car for months due to unavailable parts after an accident? (Kyle in Pennsylvania) Clark.com: Advice You Can Trust: SUBSCRIBE: / clark Listen To The Clark Howard Podcast: https://clark.com/podcast Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/3lrwhe2... iHeartRadio: https://www.iheart.com/podcast/8-the-... Follow Us for More Money Tips: Website: https://clark.com/ Podcast: https://clark.com/podcasts/ Newsletter: https://clark.com/newsletters/ Instagram: / theclarkdotcom Facebook: / clarkhoward Need Consumer Advice? The Consumer Action Center is a free resource for advice on money and consumer issues. Call 636-49C-LARK (636-492-5275) and a member of Team Clark will assist you as soon as possible. The Consumer Action Center is available Monday-Friday from 10 a.m. to 4 p.m. ET. If you found this video valuable, give it a like. If you know someone who needs to see it, share it. Leave a comment below with your thoughts. Add it to a playlist if you want to watch it later. Our Promise to You: At Clark.com and ClarkDeals.com, we do not get paid for endorsements or reviews of any product or service, nor do we allow advertisers to place paid content on our sites. More information: https://clark.com/ad-disclosure/