New statistics from the Commerce Department show that the typical American family is saving just a little more than a penny on each dollar earned. This worries Clark very much because it simply will not help you. Of course, there are some people who are saving huge amounts of money. But there are many more who are not saving anything or are involved in “negative net saving.” That means that people spend more money than they make. So, overall, we are pitiful at saving money in the United States. Good and bad habits are formed one step at a time, and that’s how you change them, as well. Saving a dime on every dollar is a good goal to have. As the years pass, you’ll be able to bump that number up. Last year, Clark saved 15 percent of his before tax pay and two-thirds of his after tax pay. When you retire, you will have to live on half of what you make. You must keep that in mind.

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In Clark’s most recent poll, he wanted to know what you do in your leisure time. When asked how much time you spend in front of the TV, almost half said they only watch one to two hours a day. That is far less than the national average, so Clark’s listeners are a bit different. And, in terms of how you end up spending your leisure time, about 27 percent - the largest amount - said they played or worked on the computer.