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Clark reveals groundbreaking news about how the data from your Apple Watch, when combined with AI, is becoming a powerful tool for predicting serious heart problems with near-perfect accuracy. Get ready to learn what your wearable device can truly do – it might just be the life-saving technology you already own! Also, Clark offers timely advice on the best way for homeowners to fund necessary home improvements. With an enormous percentage of Americans sitting on home equity, it's the perfect time to borrow only for maintaining or improving the value of your home. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the December 8, 2025, episode of The Clark Howard Show. Submit your questions: https://clark.com/ask 00:00 - Intro 01:42 - Your Apple Watch Could Save Your Life 07:42 - Ask Clark - How do HSA contributions work when both spouses have access to an HDHP through their employers? (Medora in Georgia) 09:31 - Ask Clark - What vehicle would you buy today on an average income, and why? (Johnny in Michigan) 10:23 - Ask Clark - What’s the best way for a 17-year-old to open and invest in a custodial Roth IRA? (Sergio in Indiana) 15:13 - Is a HELOC Is Better Than a Home Equity Loan? 20:48 - Ask Clark - Who can help evaluate old student loans and create a payoff or forgiveness plan? (Brett in Ohio) 24:34 - Ask Clark - Can a rental company require tenants to buy a mandatory internet package that isn’t in the lease? (Arnelia in Georgia) 26:50 - Ask Clark - Can savings bond proceeds be rolled into a 529 tax-free, and can bonds in a parent’s name fund a child’s 529? (Andie in Texas) 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/