Why you should never use a debit card, Avoid this costly 401(k) mistake

T-Mobile is offering two significant benefits to both new and existing customers. Find out more later in this email.

💵 Today’s Top Stories

Why You Should Never Use a Debit Card According to Clark

Did you know that using debit cards can be financially dangerous? Clark explains why you should really think about following this rule. Read more.

Don’t Make This Costly 401(k) Mistake (and What to Do Instead)

The recent stock market decline caused some people to panic and sell their 401(k) investments or stop contributing, missing out on a near-immediate big turnaround, Clark says. Read more.

How To Know If You’re Getting the Internet Speed You’re Paying For

You may be paying top dollar for fast internet. But are you actually getting those speeds? Find out by testing your internet speed and checking your bill. Read more.

6 Best Places To Sell Your Cell Phone

One of the major options just went out of business. Team Clark got price quotes from and ranked a half-dozen companies that still buy used cell phones. Read more.

📱 T-Mobile Makes 2 Big Offers To Compete for Customers

T-Mobile responded to some accelerating postpaid customer churn in Q1, after a price and fee hike, by offering free DoorDash subscriptions to customers.

Starting July 8, new and existing customers have the option to get a free DashPass ($9.99/month or $96 annually). It offers free delivery, reduced fees and exclusive deals.

Customers must opt into this perk in the T-Mobile Tuesdays section of the T-Life app between July 8 and Aug. 4.

T-Mobile also is offering “Easy Upgrade,” which will pay off any remaining device payments if you switch from Verizon, AT&T, Spetrum, US Cellular or Xfinity.

That removes any hurdles around device payments locking users into contracts.

“T-Mobile will pay or you to eliminate your balance on up to four separate device payments that you have, providing as much as $800 per line. T-Mobile will also pay for your early termination fees if Verizon or your other carrier charges them,” The Street reported.

You can keep your existing device and get a new free phone from T-Mobile.

💸 Today’s Top Savings Rates

Check out our updated list of Clark.com-approved high-yield savings accounts with the highest rates. Here are the top five APYs on our list as of July 2, 2025.

See All Rates | High Yield Savings Accounts Calculator

📊 Stat of the Day

💵 94.16: The Wall Street Journal’s Dollar Index hit this low during intraday trading on Thursday. It’s the weakest the U.S. dollar has been since February 2023.

💰️ Deal Alert: Today’s Top Deals

Walmart+: Save 50% on an annual membership

Get this deal.

14-night Mediterranean fall cruise from $1,774

Get this deal.

See All of the Best Deals Today

🎙️ Podcast

YouTube video by Clark Howard: Save More, Spend Less

Top 6 Auto Insurance Companies

As auto insurance rates continue to rise, more people recognize the need to shop around. Clark shares a valuable resource for where to start.

Watch the Full Episode

☎️ Need Money Help?

The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information.