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It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, crypto is a hot investing topic. Whether you view it as the future of finance or a digital gamble, one thing is certain: the volatility is extreme. Clark explains if this belongs in your portfolio, along with his #1 rule. All this and more on the February 20, 2026, episode of The Clark Howard Show. Submit your opinions or questions: https://clark.com/clarkstinks/ https://clark.com/ask/ https://clark.com/about-consumer-acti... Mentioned on the show: https://clark.com/personal-finance-cr... https://clark.com/personal-finance-cr... 00:00 - Intro 01:35 - Clark Stinks - Why did Sam’s Club flowers cost far more than expected after delivery fees, and should listeners avoid bouquet delivery altogether? (Zac, Texas) 02:23 - Clark Stinks - Is Dollar Store Valentine’s Day advice too cheap — or can romance really be done for under $2? (Neal & Chandra, California) 05:02 - Clark Stinks - Why didn’t you clearly explain the investment options and tax treatment of Trump accounts so listeners can make informed decisions? (Josh, Pennsylvania) 05:30 - Clark Stinks - Are Trump accounts actually a powerful long-term strategy for creating massive tax-free retirement wealth for children? (Mike, Maryland) https://clark.com/personal-finance-cr... https://clark.com/personal-finance-cr... 10:58 - Clark Stinks - Instead of using receipt apps, why not recommend instant credit-card transaction alerts to catch fraud in real time? (Hama, California) 12:03 - Clark Stinks - Why did you say IRS Free Fillable Forms requires mailing returns when it actually allows free e-filing? (Tony, Texas) 13:07 - Clark Stinks - Do premium travel credit cards really provide trip insurance if claims are routinely denied when airlines are responsible? (Scott, Washington) 15:57 - Clark Stinks - Did Christa confuse Costco Travel rental insurance with Citi Costco credit card coverage? (Ross, Texas) 21:20 - Crypto 27:28 - Ask Clark - How should couples budget when one partner graduates with massive student loan debt while planning a wedding and paying a mortgage? (Brian, Pennsylvania) 31:38 - Ask Clark - Is it safe to enter bank account information into tax software like TurboTax or FreeTaxUSA for refunds? (Dara, Maryland) 32:15 - Ask Clark - Are retailers justified in refusing cash due to the costs and risks of handling it versus credit card fees? (Dave, Ohio) 34:45 - Ask Clark - Which credit card gives Christa the $10 monthly Peloton membership discount she mentioned? (Monica, 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/