6 ways a pressure washer can save you money

Whether or not you’ve personally used a pressure washer, you’re likely already aware of their cleaning ability. YouTube videos like this one boast over 4.3 million views. There are entire channels devoted to the pleasure of watching things go from utterly filth to pristinely clean with nothing more than a forceful blast of water.

John and Sherry Petersik of the blog Young House Love demonstrated some pressure washing projects on their Instagram, and before they knew it, their devoted followers began tagging the couple, which led to this awe inspiring collection of pressure washing videos that blow past the normal expectation of clean driveways and brick walls. This is all especially impressive since their recommended model costs around $100.

Seriously, just check out this doormat:

Before you start your own pressure washing project, it’s important to follow a few simple safety rules. Consumer Reports published this informative article, which includes the precaution to “Wear goggles, long pants, and sturdy footwear—never flip-flops—to protect yourself while using any pressure washer.”

You already know that pressure washers can work magic on driveways, sidewalks and brick patios, but there are so many other items that can be brought back to life through pressure washing.

Don’t replace these things — clean them with your pressure washer!

1. Outdoor cushions

Even if you’re disciplined about covering your outdoor furniture, chances are it’ll still get buggy and grubby eventually. However, a quick spray with a power washer can brighten colors and remove that inevitable green gunge that nature has to offer.

Tip: Make sure to start on the lowest setting and do a test spray on an inconspicuous area as to not rip into the fabric.

2. Plastic play equipment

If your backyard is home to a plastic play house or similar structure, you know how filthy these items can get. It can be tempting to toss these things and start over after a few seasons, but a pressure washer can get into all those nooks and crannies that a regular hose cannot.

Tip: Disassemble the equipment first so you’re not in the playhouse while using the pressure washer. Snap a photo first to remind yourself how it’s put together.

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3. Outdoor (and even indoor) rugs

Outdoor rugs are great for creating cozy conversation areas. However, they’re notorious for their filth, as trapped moisture has nowhere to go, thus creating an inviting environment for moss, mildew and various creepy crawlies. Introduce the power of a pressure washer and rugs that may have been landfill bound can look as good as new.

Indoor rugs can also be rejuvenated using a pressure washer, although this suggestion is just for inexpensive mass-produced rugs, not hand knotted Persian masterpieces.

Tip: Start this project in a sunny spot on a hot day to give your rug the best chance to dry by day’s end.

4. Baseball pants

If you’re a little league parent, you’re already aware of how hard it is to remove those brown stains kids get from sliding into second base. A popular solution — and for good reason — is to use a pressure washer to drive the dirt from the fabric.

Tip: Don’t have easy access to a pressure washer? Use the washing wand at a self-serve car wash.

5. Plastic furniture

Those inexpensive stacking chairs and tables that once were so shiny and clean inevitably devolve into filthy pieces of junk. However, a few minutes with a pressure washer can transform them back to like-new condition.

Tip: This one is so easy and satisfyingly cathartic, you might want to increase your social capital and offer to clean your neighbor’s plastic furniture as well!

6. Wood furniture

That wooden bench or table may look ready for replacement, but a pressure washing session may be all it needs. This YouTube example of a greyed and lichen-encrusted bench is the perfect example of what may seem beyond redemption, but can actually be transformed back to a beautiful and practical piece.

Tip: Wood is a soft and porous material, so begin with the lowest setting and then inspect the wood afterward to determine if it requires a light sanding.

Final thought

Whatever it is that you choose to aim your pressure washer towards, just make sure to take safety precautions and to start with the lowest setting. And that thing you had budgeted to replace? You can put that money back into your pocket while avoiding a contribution to your local landfill — and that’s Clark Smart!

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How to start investing and saving for retirement

We all know we should invest and save for our future — but many of us don’t know how to start investing. Fortunately, getting started can be easier than you think!

Clark Howard’s investment guide for beginners

Money expert Clark Howard has long championed the idea of making learning how to invest and save for retirement easy.

“Investing can seem so complicated that you might shut down and do nothing about it — or feel you need to hire someone to guide you,” Clark says. “However, it doesn’t need to be complex. You probably already have the opportunity to get started right where you work.”

In this article, we’ll take a look the most common ways people start investing and building up a nest egg. We’ll guide you through the process of setting up your retirement plan, selecting your investments, making regular contributions and more.

Table of contents

1. Enroll with your employer’s retirement plan

Learning how to start investing begins for most people with signing up for your company’s 401(k) plan. This is the single easiest point of entry for most workers.

But don’t worry if you’re self-employed or don’t have a retirement plan at work. We’ll have specific guidance for you later in this article, too.

For everyone else, the process of signing up for your employer’s retirement plan is very simple, though it varies by workplace.

In general, you just have to start a conversation with the human resources department. They’ll instruct you on the specifics of how to get signed up. They’ll also be able to answer any questions you may have as you go through the enrollment process.

Once you’re signed up, you can arrange to make automatic contributions to the retirement plan each pay period. These contributions will come directly out of your check before you ever see the money.

By automating this process, you make it “out of sight, out of mind.” The net result over time is that you start building up a retirement nest egg without having to think too much about it.

2. Select your investments

Now that you’ve taken the initial step of signing up for your employer’s retirement plan, it’s time to select your investments. This part might seem complicated, but it doesn’t have to be!

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Roth 401(k) vs. traditional 401(k)

A lot of people now have the option of opening a Roth 401(k) at work, alongside the traditional option of a regular 401(k). But there’s one big reason why Clark likes Roth 401(k)s more than traditional ones.

“Doing a Roth 401(k) is vastly superior to doing a traditional 401(k). With a Roth 401(k), you put in money that’s already been taxed into your 401(k) and it’s never taxed again,” Clark says. “If you don’t do a Roth 401(k) [and instead do a traditional 401(k)], then you’re just putting in pre-tax dollars. Everything your plan builds to over the years is all subject to tax down the road.”

That’s why Clark prefers the Roth 401(k) if it’s available to you. If not, a traditional 401(k) is still good, too.

We’ve got a complete explanation of the similarities and differences between a Roth 401(k) and traditional 401(k) — as well as an answer to the question of if you should do a Roth 401(k) — right here.

No matter whether you select a traditional 401(k) or its Roth counterpart, both of those options are only really like a house or a shell for your money. You’ve got to put some furniture in the house, right? That’s where the next part comes in…

Target-date funds

Selecting the “furniture” you put in the house is perhaps the easiest choice of all. Clark is a big fan of target-date retirement funds, which he says are the “the best and easiest investment choice” for most people.

A target-date retirement fund is a simple investment portfolio. Typically, it’s made up of stocks and bonds in a specific ratio that changes as you age.

“All you have to do is pick the target-date fund closest to the year you expect to retire — say, 2045 or 2055 — and then contribute to that fund. That’s it!” Clark says.

The mix of stocks and bonds housed in whichever year’s fund you select automatically adjust as you get closer to retirement. Basically, selecting a target-date fund lets you take a “set it and forget it” approach to investing.

For more about the mechanics of how target-date funds work, see our article here.

3. Set your contribution level

Clark has one ironclad rule when it comes to setting your contribution level in your employer’s retirement plan: Always start out by contributing at least the minimum necessary to pick up the full company match.

Many companies will match the money you put in at either at 50% or 100%, up to a certain contribution level. Check with your HR department for the specifics of your plan.

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Let’s say, for example, you contribute 6% of your pay and there’s a 100% match up to 3% from your employer. That means your effective rate of contribution is 9%. You’re doing six percent and your employer is kicking in three for the full match.

“No matter how little or how much your company offers a match on, you’ve got to find a way to get it done,” Clark says. “Otherwise you’re leaving free money on the table.”

Once you’re picking up that full match, Clark recommends that you raise your contribution rate by 1% every six months. Do this until you hit the ceiling of what you’re allowed to contribute by law to a 401(k) or Roth 401(k).

(Editor’s note: In 2019, the max you can contribute to either plan is $19,000 per year, or $25,000 if you’re over 50.)

4. Figure out what to do with extra money

Once you’ve maxed out your employer’s retirement plan, then you need to find other places for additional contributions to go.

For most people, doing a Roth IRA makes the most sense. A Roth IRA is a tax-free account that lets you put in $6,000 a year max if you’re under age 50, or $7,000 if you’re 50 and over.

But there are income limitations to qualify. You’re only allowed to contribute the full amount to a Roth IRA if your income is less than $122,000 as a single person or $193,000 as a couple. Beyond that, you may still be able contribute — but at a reduced amount.

We’ve got a full explanation of how to open a Roth IRA, along with the eligibility guidelines and complete income limitations, here.

Special advice for the self-employed

A Roth IRA is also a good starting point if you don’t have access to an employer-sponsored retirement plan. Two other good options for the self-employed and entrepreneurs include:

• SEP (simplified employee pension) IRA
• Solo 401(k)

Many big retirement plan providers like Vanguard and Fidelity offer those plans. We’ve got a full write-up of what you need to know about opening a SEP IRA here.

Final thought

Learning how to start investing doesn’t have to be complicated. It all begins with aiming to start saving enough to pick up the full company match, if one is available. Then, bump up your savings rate slowly over time from there.

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Most employers want to make saving for retirement easy for you since so few of them offer pensions any longer. Offering a retirement plan with a company match is widely touted as an employee benefit.

Be sure you take advantage of this low-hanging fruit in your life. If you don’t, you may have to work way longer than you want to.

“When you get right down to it, you are the only one who can provide for your retirement — particularly if you’re under 40,” Clark says. “So, you can either start saving money now or face the fact that you may not get to retire.”

Meanwhile, maybe you’re one of those people who doesn’t have access to a retirement plan at work. In that case, it’s up to you to get the job of learning how to start investing done.

That’s where opening a Roth IRA, SEP IRA or solo 401(k) at a place like Vanguard or Fidelity comes in.

But before you get started with either company, you’ll want to read our 5 things to know about investing with Vanguard and 7 things to know about investing with Fidelity articles!

Finally, if you have additional investing questions, please consider calling our Consumer Action Center.

Contact Clark’s Consumer Action Center — a FREE help line open Monday-Thursday from 10 a.m. – 7 p.m and Friday from 10 a.m. – 4 p.m. EST. We have volunteers available to answer YOUR concerns! Call Team Clark @ 404-892-8227.

More investing and retirement stories on Clark.com