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His target audience seems to be under 40, reasonably well educated piss-poor money managers. Don't listen to him that often but sometimes I get tired of Clark Howard's drivel and will switch over.
Seems like every time I do there are some DINK's with $250,000 in student loans working for $20k/yr each and trying to figure out what to do with their lives.
Maybe if they'd actually work instead of listening to his drivel they wouldn't be in this situation. The only thing worse than talk radio is sports talk radio. Who really cares what Bubba from Dallas, GA thinks about Richt's play calling?
They ought to pipe sports talk radio into Gitmo 24/7, they'll break inside a day.