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Im so glad to be able to welcome you here to the Clark Howard Show our mission is to serve you and Empower you so you make better financial decisions in your life up first today I want to help you avoid some of the tactics that get you to spend more money shopping and the impulse to shop is strong anyway for us but retailers have become so Adept at getting us to spend with them I want to tell you how to rein that in and were gonna uh this is a family show but Im gonna cuss right now Im gonna say the word annuity annuities are selling like crazy right now and Im going to tell you later why thats happening and what you need to be careful and aware of before you get sucked in by that annuity sales person So speaking of getting sucked in spending money retailers retailings having such a rough ride I mean its lets make no bones about it its tough being a retailer today and so they are using more and more psychological tactics to get you to buy if youre worried you spend too much