Riley Clendenin

Riley Clendenin, a passionate guitarist who loves teaching, is on a mission to boost the Financial IQ of Millennials and Gen Z alongside his dad. Growing up in a family that valued both creativity and financial savvy, Riley learned early on that managing money wisely is a superpower—one that opens doors to freedom, opportunity, and peace of mind. Through engaging stories, practical advice, and real-world insights, Riley helps his generation build strong financial foundations without sacrificing the joy of living in the moment. Riley’s goal is simple: make money management approachable, relatable, and empowering for today’s young adults.

7 Common Budgeting Mistakes When Using the Envelope System

October 31, 2025 by Riley Clendenin

Avoid common pitfalls to improve your use of the envelope budgeting system effectively.

The envelope system is a popular method for managing personal finances by allocating cash into specific spending categories. However, users often encounter budgeting mistakes that can undermine their efforts to control spending and save money. Issues like inaccurate expense tracking, mixing funds across envelopes, and neglecting to update budgets over time can lead to overspending and financial frustration. Understanding these common errors helps improve discipline and financial planning success with this cash-based approach.

9 Nightly Rituals That Set You Up for Better Sleep

October 31, 2025 by Riley Clendenin

Discover simple evening habits that naturally improve your sleep quality and restfulness.

Better sleep often starts with what you do in the hour before bed. Simple routines focused on relaxation and consistency can gently prepare your body and mind for rest. From limiting screen time to creating a calm environment, these nightly habits support your natural sleep cycle. Understanding and practicing these rituals can help you fall asleep more easily and enjoy deeper, more restorative rest night after night.

The Financial Risks of Co-Buying a Boat With a Friend

October 31, 2025 by Riley Clendenin

Understanding shared ownership risks helps protect your finances and friendships in co-buying scenarios.

Co-buying a boat with a friend can seem like an affordable way to enjoy the water, but it carries distinct financial risks. Shared ownership means dividing not only the initial cost but also ongoing expenses like maintenance, insurance, and repairs. Without clear agreements or plans for disputes and exit strategies, potential conflicts can arise. Recognizing these risks upfront allows co-owners to make informed decisions and safeguard their investment and relationship.

8 Steps to Take If You Suspect Your Attorney Is Dishonest

October 31, 2025 by Riley Clendenin

Know the key steps to protect yourself when you suspect your attorney is dishonest.

Suspecting your attorney of dishonesty can be unsettling, but taking measured actions can help protect your rights and interests. Begin by carefully reviewing all related documents and noting any inconsistencies. Open communication with your attorney and obtaining a second opinion are essential steps. If concerns persist, reporting to bar associations and considering new representation may be necessary to ensure your case is handled with integrity.

8 Wise Tips to Make Sure You Don’t Compromise When Choosing Your Ideal Partner

October 31, 2025 by Riley Clendenin

Avoid sacrificing your personal values while seeking a compatible life partner.

Choosing the right partner without compromising your core beliefs requires clarity and patience. It involves prioritizing your personal values and communicating openly about your expectations from the start. Recognizing deal breakers and observing how a potential partner handles conflict can reveal deeper compatibility. Trusting your instincts and allowing time to understand each other fully helps build a foundation of mutual respect and genuine connection.

11 Psychological Shifts Dave Ramsey Recommends for Breaking Debt Cycles

October 31, 2025 by Riley Clendenin

Practical mindset changes to help you overcome and prevent recurring debt problems.

Breaking free from debt cycles requires more than just budgeting; it demands a fundamental shift in how you think about money and spending. Dave Ramsey’s recommended psychological shifts focus on altering behaviors and attitudes that contribute to financial struggles. By embracing accountability, patience, and a long-term perspective, you can cultivate habits that support sustainable money management and foster lasting financial wellness.

8 Common Collectibles to Avoid as Investments

October 30, 2025 by Riley Clendenin

Recognize which collectibles often fail to grow in value and why they make poor investments.

Many collectibles may seem appealing as investments, but not all hold their value over time. Factors such as lack of rarity, poor condition, market oversaturation, and absence of authenticity often lead to depreciation. Understanding which common collectibles rarely appreciate can help avoid costly mistakes. Careful research and attention to market trends are essential before investing in items that might only offer sentimental value instead of financial gain.

If You Had These Growing Up, Your House Was the Cool House

October 30, 2025 by Riley Clendenin

Growing up with these toys revealed a household’s creativity and social warmth in childhood play culture.

Certain toys and games have long signaled a home where imagination and togetherness thrived. From classic wooden train sets to timeless board games, these playthings shaped not only individual creativity but also family dynamics and friendships. Understanding which toys were truly cherished helps reveal how childhood experiences reflected broader cultural trends without relying solely on expense or popularity. This exploration uncovers what made a house feel genuinely cool to kids and visitors alike.