It’s the toughest role reversal we face in life: stepping in to manage aging parents' finances. As parents get older, it’s common for physical health to take priority while finances take a back seat.  Clark breaks down the vital lessons on elder-parent care. Waiting until a crisis or a parent's passing to look for wills, passwords, and bank accounts guarantees chaos later.

Also, Clark tackles a growing budget buster for some homeowners: surging HOA and condo fees. What used to be a minor monthly expense has turned into a massive financial strain due to "amenities creep" and inflation. Clark warns that an HOA acts like its own taxing authority with the power to fine you or even foreclose on your home, making it vital to know exactly what you are signing up for before you buy. If you already live in a community where the board is running amuck, Clark shares his personal experience serving on three different boards and explains why organizing with your neighbors and running for a seat is the ultimate way to protect your wallet.

Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 27, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark.

• Oversight Beats Hindsight: Aging Parents: Segment 1
• Ask Clark: Segment 2
• HOA & Condo Fees: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Checklist: What to discuss with aging parents about finances
• NYTimes: 5 Money Lessons From Readers in the Trenches of Elder-Parent Care
• How Two Clark-Approved Annuities Can Reduce Retirement Stress 
• Surging HOA Fees Are Pushing Homeowners to the Brink - The WSJ
• Should You Make Your Child an Authorized User on Your Credit Card?
• What Is a Secured Credit Card and How Does It Work? - Clark Howard
• The Biggest Investing Lesson From Trump Accounts
• Cheapest Way to Rent a Car: Expert Tips - Clark Howard 

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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