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.

Don’t Get Taken for a Ride— 11 Amusement Park Money Traps You Need to Know

May 20, 2025 by Riley Clendenin

That rollercoaster isn’t the only thing designed to separate you from your sense of balance—and your cash.

A trip to an amusement park sounds like a thrilling day out, but the financial freefall often starts long before you strap into your first ride. Between ticket markups, overpriced snacks, and sneaky add-ons you didn’t see coming, it’s shockingly easy to blow your entire budget before lunch. These places are designed to keep you spending—not just on fun, but on everything they’ve cleverly labeled as “optional” but know you’ll end up buying anyway.

The catch is, most of these money traps don’t feel like scams. They’re just small decisions that slowly pile up into a big credit card bill. And if you’re not paying attention, you’ll spend more time in souvenir shops and fast-pass lines than on the actual rides. These 11 amusement park rip-offs are totally avoidable if you know what to look out for—and a little awareness goes a long way when the goal is fun, not financial regret.

Gen Z’s Financial Nightmare— 13 Stealthy Expenses Eating Away Their Savings

May 20, 2025 by Riley Clendenin

It’s not the big splurges wrecking their budgets—it’s the tiny, invisible leaks no one warned them about.

Gen Z is trying to build wealth in a world that feels stacked against them. They’re budgeting, side hustling, and skipping the avocado toast—but their bank accounts still don’t seem to grow. That’s because the money isn’t disappearing in obvious ways. It’s being chipped away quietly by recurring fees, lifestyle pressures, and convenience traps disguised as “essentials.” These aren’t luxury indulgences. They’re normalized expenses that feel small in the moment but quietly sabotage financial progress month after month.

What makes it worse is how subtle it all is. Subscriptions sneak through with trial periods that never got canceled. Online orders pile up with $4 service fees. Even the apps promising to “help” manage money are sometimes charging more than they save. Gen Z isn’t careless—they’re navigating an economy built to extract money in creative, frictionless ways. These 13 stealthy expenses are draining their savings faster than most of them realize—and the sooner they get called out, the better chance this generation has at keeping more of what they earn.

SNAP Surge— The 10 States Leading in Food Stamp Dependence

May 20, 2025 by Riley Clendenin

Food assistance isn’t just a safety net in these states—it’s become a way of life for a growing number of residents.

The Supplemental Nutrition Assistance Program (SNAP), commonly known as food stamps, has long helped low-income Americans afford basic groceries. But in some states, participation in SNAP isn’t just high—it’s skyrocketing. These aren’t always places with the most visible poverty. They’re often states dealing with a mix of stagnant wages, rising living costs, shrinking job opportunities, and inconsistent state-level support for working families. In those places, SNAP has become a lifeline—used not just temporarily, but for the long haul.

While nationwide participation in food assistance is shaped by federal rules, local conditions play a huge role in how many people depend on it. States with struggling economies, rural populations, or underfunded services often see higher enrollment. So do those with larger senior or disabled populations. It’s not always about laziness or lack of effort—it’s about survival. These ten states top the charts for SNAP usage, and their growing numbers reveal a deeper story about what it really takes to get by in America right now.

Dream Home, Dream Price— 10 Genius Ways to Cut Building Costs

May 20, 2025 by Riley Clendenin

Building your dream home shouldn’t mean burying yourself in a nightmare of debt.

Designing and building a custom home is exciting—every decision feels full of possibility. But those choices come with price tags, and they stack up fast. What starts as a manageable budget can spiral out of control with every upgraded fixture, extra window, or last-minute change. The good news is, you can absolutely build a home you love without wrecking your finances. It just takes some strategy, a little restraint, and knowing where to focus your money for maximum impact.

The goal isn’t to cut corners. It’s to cut costs smartly—making decisions that save now without creating problems later. Some of these ideas involve planning ahead, while others are about being realistic with what you truly need (versus what looks good on paper). These 10 tips can help you stay in control of your home-building budget while still getting a space that feels like you, functions beautifully, and stands the test of time.

Affordable Adventures— How to Plan Family Trips That Won’t Drain Your Wallet

May 19, 2025 by Riley Clendenin

Making memories doesn’t have to mean maxing out your credit card.

Planning a family trip can feel like an emotional tug-of-war between wanting it to be unforgettable and not wanting to cry when the credit card bill arrives. Between plane tickets, hotel rooms, meals, entrance fees, and all the little “extras,” it’s easy to assume that a great vacation has to come with a hefty price tag. But the truth is, some of the best adventures don’t require luxury—they just need a little creativity, planning, and the right mindset.

Affordable travel doesn’t mean cutting corners until the trip feels boring or uncomfortable. It means finding ways to stretch your budget so that the focus stays on shared experiences instead of stress. When you make intentional choices—from where you stay to how you eat—you get to control the pace, the vibe, and the cost without sacrificing fun. These 11 smart planning strategies can help you build a family trip that’s rich in connection, not just expenses.

Homeowner Hacks— 10 DIY Fixes to Keep Your House (and Wallet) Happy

May 19, 2025 by Riley Clendenin

Paying pros for everything adds up fast—these simple fixes save your space and your cash.

Owning a home comes with surprises—and not always the fun kind. Things break, leak, loosen, and wear out way more often than anyone tells you during the tour. And every time you call a plumber, handyman, or electrician, the bill seems to have its own set of tools digging into your budget. The good news is, a lot of the everyday maintenance and minor fixes don’t require a pro. You just need a little confidence, a few basic tools, and the right how-to knowledge.

DIY doesn’t mean duct-taping everything until it looks passable. These are real solutions that can keep your home running smoothly and help you avoid bigger (and pricier) problems down the line. Some take five minutes. Some take an hour. All of them cost way less than hiring out—and you’ll feel wildly accomplished when you knock them off the list yourself. These 10 DIY homeowner hacks are totally doable, even for beginners, and they’ll keep your house (and your wallet) a whole lot happier.

11 Surprising Ways AI Could End Up Making You Poorer, Not Richer

May 19, 2025 by Riley Clendenin

AI might be the future, but it’s already starting to mess with your money in ways you didn’t expect.

Artificial intelligence is everywhere—writing emails, filtering resumes, generating art, answering customer service chats. It’s fast, cheap, and incredibly smart. So smart, in fact, that it’s already replacing human decisions in places most people don’t even realize. While tech experts and billionaires talk about AI unlocking productivity and wealth, the everyday reality looks a little different. For a lot of regular people, AI is starting to quietly shrink opportunity, income, and even access to basic resources.

You might think you’re safe because your job feels “human” or you don’t work in tech. But AI’s reach is subtle. It’s baked into algorithms that decide who gets a loan, whose resume gets seen, and what content earns money. It’s not just about robots taking jobs. It’s about systems quietly shifting under your feet while you’re being told this is progress. Here are 11 ways AI could actually make you poorer—especially if you’re not paying attention.

Travel Like a Pro— 12 DIY Essentials to Avoid Tourist Markup Scams

May 19, 2025 by Riley Clendenin

Paying triple for basics is a rookie mistake—and totally avoidable with the right gear in your bag.

Tourist traps don’t just sell overpriced souvenirs. They sneak extra charges into the most ordinary things—bottled water, power adapters, flimsy umbrellas, phone chargers, even basic first-aid stuff. It’s not always the big-ticket scams that drain your travel budget. It’s those tiny, last-minute purchases that add up fast when you’re caught unprepared. Shops near airports and tourist zones know you’re desperate, tired, and unlikely to bargain. So they charge whatever they want—and most people just hand over their money.

The fix? Pack smarter. A few lightweight, low-effort essentials can save you hundreds over the course of a trip. These aren’t niche gadgets or fancy gear—just practical items you’ll actually use, again and again. Think of them as anti-scam tools. You’re not being paranoid. You’re just being prepared. These 12 DIY travel must-haves help you sidestep inflated prices, avoid unnecessary hassle, and keep your budget focused on experiences—not emergency convenience purchases.