The Power of the Pivot: Job demand is up in some areas. Clark offers guidance on finding active job categories and transferring your skill set outside the box. Some who have pivoted have increased their incomes. Also, when your employer offers no retirement plan or match, Clark gets you started on handling your own future financial security. -How to Open a Roth IRA – Clark Howard. / Ask Clark topics include: Trekz earbuds, employer 401K security freeze, The dangers of Zelle.