Audrey Clark Co.

03/06/2026

Not everyone learns the same way. That’s why we built HowMoneyWorks for the Next Generation in three formats:

🔹 Print Book – 160 pages | 2-hour read
🔹 Overview eBook – 40 pages | 30-minute read
🔹 Summary eBook – 6 pages | 5-minute read

Whether you’re a fast skimmer or a deep diver, you can get the clarity and confidence you need to take your next financial step.

https://howmoneyworks.com/audreyclark/bookpages/howmoneyworks-for-next-gen
These aren’t just different versions—they’re different entry points to a smarter financial future.

🎯 Choose your format. Learn what schools didn’t teach. And finally feel confident managing your money.

📘 One action plan. No fluff. Just results.

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03/05/2026

If you put your money in the right places, it can grow substantially over time, thanks to the power of compound interest. It could even double, while you don’t have to do a thing.

Want to figure out just how fast your money could grow? The “Rule of 72” approximates how many years it will take for your money to double, given a fixed rate of return.

“Think about your savings for the future,” Tom Mathews and Steve Siebold write in their book “How Money Works,” which highlights the “Rule of 72” as of one of three essential personal finance topics to understand (the other two being compound interest and the time value of money). “The Rule of 72 can give you an idea of how many doubles you’ll get in your lifetime. With more time, a lower interest rate may give you enough to nail your goals. With less time, you may need a higher interest rate.”

The "Rule of 72" approximates how many years it will take for your money to double, given a fixed interest rate. The higher the rate, the more you'll earn.

02/17/2026

This survey is more than just some questions.

It’s leadership.

For years, WealthWave has been committed to one mission:
Erasing financial illiteracy in America.

In 2026, that mission takes a focused step forward for women.

The WealthWave Women’s Survey 2026 is live.

Ten questions.
Completely anonymous.
Five minutes to complete.

But the impact reaches far beyond that.

Over the next two decades, more than $124 trillion will transfer to the next generation — with the majority moving to women. That moment demands preparation, confidence, and education.

This survey helps us understand:
• Where women feel confident
• Where they feel uncertain
• What education do they want most
• What conversations need to happen next

The insights gathered will shape articles, research, media conversations, and practical financial education throughout the year.

At WealthWave, we believe education creates confidence.
Confidence creates leadership.
Leadership changes families and communities.

Take the survey.
Share it with the women you care about.
Be part of building a more financially confident generation.

👉 Take the WealthWave Women’s Survey 2026:
https://financialliteracyindex.com/audreyclark/quiz

01/26/2026

The retirement divide isn’t a “someday” issue. It’s already showing up in real time.

Recent data indicates that while 78.7% of full-time workers have access to a retirement plan, the average total contribution is only 9.3% of income. On paper, that sounds responsible. In practice, it often isn’t enough to sustain long-term financial independence.

Why? Because the math has changed:

People are living longer

Healthcare costs keep rising

Social Security remains uncertain

Inflation continues to pressure purchasing power

Many financial professionals point to 12–15% as a more realistic savings range for long-term stability—especially for anyone who started late, took career breaks, or is still carrying debt.

The real risk isn’t that people aren’t trying. It’s that many are working from an outdated definition of what “enough” looks like.

Closing the gap starts with awareness—and the right education.

01/12/2026

The 2026 Paradox: Supercomputers in our pockets, but 19th-century literacy in our heads.

It’s time to close the gap.

It’s 2026, and we are living in a world of incredible technological paradox. While we carry supercomputers in our pockets capable of solving the world’s most complex problems, America’s financial literacy is still stuck in the past.

We have instant access to global markets, yet most people struggle to answer basic questions about interest rates, inflation, or risk management. This isn’t just a minor hurdle; it’s a systemic divide that leaves millions of families straddling two different centuries.

The data reveals a "failed" scoreboard that we can no longer ignore. Recent studies from the TIAA Institute and FINRA show that national financial competency has essentially flatlined for nearly a decade, with many adults failing to answer even half of basic personal finance questions correctly.

Most concerning is that "understanding risk" remains the weakest area of all. This means most Americans are navigating their most important earning years with only a pop-quiz level of understanding.

This crisis creates a critical mission for WealthWave leaders. We aren't just here to talk about the numbers; we are here to move the needle. By educating and empowering our communities, we can bridge this gap and finally rewrite America’s money future. It’s time to trade financial confusion for confidence. Read the full breakdown of the crisis and our strategy to solve it on my website.

Link to Blog Post:
https://wealthwave.com/audreyclark/blog/the-financial-literacy-emergency-of-2026

01/02/2026

As George Bernard Shaw observed, “The single biggest problem in communication is the illusion that it has taken place.”

For leaders, this illusion is costly. Sending a message is not the same as being understood. When leaders assume clarity without confirmation, teams drift, alignment weakens, and engagement erodes. Effective leadership requires closing the gap between what is said and what is truly heard, understood, and acted upon.

Communication is the quiet, steady thread that holds an organization together. It builds trust, strengthens relationships, and helps people feel connected to a shared vision and purpose. Through clear and thoughtful communication, leaders bring ideas to life, create understanding, and invite others to believe in and move toward a common goal.

When that thread begins to fray—through unclear, inconsistent, or missing messages—the impact is felt quickly. Confusion replaces clarity. Confidence softens. People hesitate, unsure of what matters most or how to move forward. Over time, momentum slows and progress loses its rhythm. This is why communication is not just a leadership skill, but a leadership responsibility.


https://wealthwave.com/audreyclark/blog/the-leaders-voice

01/02/2026

Oh nothing. Just meeting for breakfast over the holiday break, so we don't lose a step in generating referrals for each other in 2026.

Need a team that makes it their mission to pass you referrals, just as you do for them?

Inquire within. ;)

And happy new year!

01/02/2026

As we step into 2026, we do so with clarity, intention, and momentum. A new year is not about starting over, but about building forward, carrying the lessons earned, the strength developed, and the vision refined.

This is a year to lead with purpose, make aligned decisions, and take steady, meaningful action toward what truly matters. The path ahead is clear. Now it is time to walk it. Find your voice.

“For last year’s words belong to last year’s language, and next year’s words await another voice.”
~ T. S. Eliot ~

12/29/2025

As I listened to a podcast about setting financial goals for 2026, I noticed something settle in me.

Not pressure. Not urgency. Clarity.

What stood out most wasn’t the idea of a million-dollar goal as a number. It was the idea of choosing a bigger vision as an act of leadership. A decision about who you’re willing to become, long before the results show up. That landed deeply.

I kept thinking about how often women, how I, have downplayed desires. How quickly we say, “I don’t really need that much,” as if wanting more automatically makes us irresponsible or out of alignment. This reframed that completely. The goal isn’t about needing the money. It’s about allowing yourself to grow into a larger version of your power.

What struck me was the reminder that claiming a bold goal changes you immediately. Not later. Not once it has been achieved. The moment you decide, you begin to see yourself differently. You start making different choices. You stop tolerating misalignment. You respect your time, your energy, and your work in a new way.

I also felt seen in the tension between determination and fear. Wanting something deeply while simultaneously questioning whether you’re capable of it. That back-and-forth doesn’t mean you’re doing it wrong. It means you’re stretching. The insight that mattered most was this: belief can wobble, but the decision doesn’t have to.

Another truth that stayed with me is how small thinking is often more stressful than big thinking. Trying to hold everything together at a level that doesn’t quite create stability, margin, or support can quietly drain you. Growth, when done intentionally, can actually create more ease, not less.
Ultimately, what I heard was this: a big financial goal isn’t a measure of worth. It’s a measure of how fully you’re stepping into your leadership, your service, and your willingness to stop shrinking to fit. It’s about impact, contribution, and choosing to operate from a place of self-respect.

Listening to this reminded me that wanting more doesn’t make you or me greedy. It makes us honest. And deciding to stretch into more isn’t reckless. It’s often the most grounded decision you can make.

Those were the thoughts I carried with me as I sat with this perspective.

12/26/2025

Why Financial Clarity Is the Greatest Gift You Can Pass On

The holidays have a way of bringing everything into sharper focus.

We gather around tables, tell familiar stories, and think about what we want to pass down to the people we love. We talk about traditions, values, and hopes for the year ahead. Yet behind the celebrations, many families are carrying quiet financial stress. December bills still show up. Debt does not pause for the holidays. Questions about money sit just below the surface, often unspoken.

That contrast matters.

While we put time and energy into finding meaningful gifts, the most powerful gift rarely comes wrapped. It is not more income, a bigger bonus, or a perfectly organized budget. It is clarity.

Clarity about how money actually works—how to make informed decisions, avoid costly mistakes, and create stability over time. That understanding does more than solve today’s problems. It shapes confidence, conversations, and opportunities for generations.

https://howmoneyworks.com/audreyclark/blog/the-gift-of-clarity

11/29/2025

The Conversation Nobody Wants, But Everybody Needs

There comes a point in life when the roles shift. The people who raised us, supported us, or stood beside us may suddenly need help with the basics: eating, bathing, moving, remembering. It’s a moment most families never see coming, and even fewer are prepared for.

One of the biggest blind spots in personal finance is long-term care. Not because people don’t care, but because talking about aging, decline, and responsibility feels uncomfortable. So the planning gets pushed aside, year after year, until a crisis forces the conversation in a hospital hallway when emotions are high and time is short.

Only 17 percent of people have started any kind of long-term care planning. That means most families are walking straight toward one of life’s hardest transitions without a map, and without clarity on how to make decisions that protect dignity and relationships.

My work is rooted in teaching people how money works so they’re not blindsided. And part of that education is helping families have the conversations they keep avoiding.

So today, I’m breaking the silence with five questions every family needs to ask—before it’s too late.

These questions don’t just lead to a plan. They create understanding. They preserve connection. They soften the emotional and financial weight of a moment that may be inevitable for many of us.

But before we get into the five questions, let’s start with the truth you already feel: avoiding the conversation doesn’t protect anyone. Preparing for it does.

11/28/2025

How to Turn a Shopping Day Into a Wealth-Building Mindset

Every November, the rush begins. People line up before sunrise, coffee in hand, ready to chase “once-in-a-lifetime” deals. Retailers count on it, banks quietly benefit from it, and consumers walk away believing they saved money.

But the real win isn’t a discount. It’s a decision.

So I’m calling this Best Friday — the day you stop letting sales dictate your spending and start letting clarity guide your financial life.

Knowledge lasts longer than any sale. And choosing to understand how money works may be the most valuable choice you make all season.

READ THE BLOG; https://howmoneyworks.com/audreyclark/blog/black-friday-vs-best-friday