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In a time when unemployment is rising and layoffs are spreading, many people assess where they want to live and where they can make their money go the furthest. Americans have always been a migratory people when the chance to follow opportunity arises.

Salary.com has done a new survey of the American cities where your paycheck will stretch the most. At the top of the list sits a suburb of Dallas called Plano, TX. The No. 2 spot was nabbed by a Denver suburb known as Aurora, CO.

One shocker on the list (for Clark) was Seattle at No. 10. He's always considered the Emerald City a very costly place to live, but then again, salaries are high throughout the area.

The single worst place to live (relative to salary) is New York, followed by Washington, D.C., Los Angeles and others. Several California cities figure into the very bottom of the list.

Salary.com also offers a feature where -- if you have a job offer in another city -- you can plug in the salary and see where that puts you to afford everyday life.

Have you ever heard Clark talk about technology using lingo that befuddled you? If so, he's come up with an internet access glossary that explains some of the "techspeak" you commonly hear on the show.

The penny-pincher may be a self-professed techno-idiot -- he doesn't exactly know how anything works -- but he knows how to connect the dots between different technologies to get the cheapest results.

One caveat: Sometimes Clark's passion for cheap and new technology can bring you more frustration than savings!

For example, Clark once talked Christa and her husband into using early VoIP technology at home to save money on calling. But her husband got frustrated because it was difficult to use and didn't always work. Likewise, Clark's wife became upset with him just the other day. She needed to use her cell phone to call into a telephone conference line, and he had a cheap (yet difficult) workaround.

So know that if you want to go cutting-edge to save money, you are a pioneer and there'll be more effort involved. Most people want ease -- and that will usually cost you.

CLARKONOMICS: The latest retail sales figures are in and show the warehouse clubs and discounters including Wal-Mart are booming. On the other hand, Target and mid-priced clothing retailers are not doing so well -- except for maybe Kohl's.

These sales stats highlight a basic fact: We are completely driven by the goal to spend less for whatever we buy. High gas prices have really chilled retail spending.

But there is a silver lining here for those interested in fashion. September should be a month of great deals on fall clothing. This has always been true, but Clark is expecting the deals this coming season to be unreal.

Of course, clothing sales don't mean much to Clark. His usual "Clarkiform" consists of a free station golf shirt, $9 shorts and socks and underwear for about $1 each. He usually aims to have his whole outfit for under $20.

Yes, some listeners may be thriftier than that because they only buy used clothing. But Clark's bias is against used casual clothing for men. He finds it's usually too threadbare for his taste.

Clark recently put out a call to corporate America for more businesses to adopt the 4-day work week. With such a schedule, employees work four 10-hour days instead of five 8-hour days. That means a savings in fuel, reduction of air pollution and improvement in employee morale/retention.

Some employers also offer flex hours. With flex hours, there's a core of the day that employees must be on the job. The rest of the day can then be structured more freely. So under this arrangement, you can make that early morning doctor's appointment and just work a few extra hours in the evening to make up for the lost time. It's a win/win situation for everyone involved.

The governor of Utah has instituted a 4-day work week for most state employees -- except public safety workers -- until further notice. Think about the money they'll save by not having to heat or cool their facilities from Friday through Sunday.

So if you're the boss at a small business, can you make a 4-day work week work for your company? It creates employee loyalty and the cost of turnover by not doing it will be far more expensive in the long run.