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With Valentine’s Day approaching, Clark tackles one of the biggest threats to any relationship: money. Financial secrets, hidden spending, and built-up resentment can undermine even the strongest bonds. Instead of letting money issues reach a boiling point, Clark emphasizes the importance of "low-voltage" conversations. Also, Clark answers a common listener question regarding document retention. Navigating the "middle course" between being a packrat and a minimalist, Clark breaks down exactly how long you should keep your records. This guide provides a clear strategy for organizing your financial life and protecting your assets. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the February 4, 2026, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask Mentioned on the show: https://clark.com/personal-finance-cr... 00:00 - Intro 02:39 - The #1 Reason Couples Argue 06:48 - Ask Clark - Once we add umbrella insurance, what auto insurance coverage can we reduce or drop, and what coverage must we keep? (Josephine) 08:02 - Ask Clark - Is using a low-interest home equity loan or investments to help a family member pay off high-interest student loans a smart strategy, and what risks should people consider first? (Barbara) 10:23 - Ask Clark - When someone redeems points for a hotel stay, how does the hotel actually get paid? (Len) 13:12 - Documents To Keep Forever https://clark.com/personal-finance-cr... 21:30 - Ask Clark - How can rental car companies add undisclosed “roadside assistance” fees at pickup, and what can consumers do to fight these junk charges? (Paulo) 25:53 - Ask Clark - Do credit card travel protections replace the need for separate travel insurance when booking a tour or vacation package? (Ann) 28:20 - Ask Clark - Is the low-cost rental car insurance offered through Costco Travel (Zenith Insurance) legitimate and sufficient compared to buying coverage at the counter? (Mike) 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/