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.

11 Practical Tips to Stay Out of Debt in Your 20s and 30s

February 25, 2025 by Riley Clendenin

Discover how small choices today can build your financial freedom tomorrow.

Entering your 20s and 30s feels like stepping into a whirlwind of newfound freedom, responsibilities, and—let’s be honest—unexpected expenses. From student loans and rent to the lure of vacations and the latest gadgets, it’s all too easy to slip into the trap of debt. But you don’t have to let financial missteps define your future.

With a few smart strategies and a little discipline, you can enjoy life while keeping your finances in check. These 11 practical tips will help you make wise money choices now, so you’re not stuck playing catch-up later. And the best part? You don’t need a finance degree to get it right—just a bit of common sense and a willingness to prioritize your future self.

Mostly Free Financial Tools Millennials Swear By

February 25, 2025 by Riley Clendenin

Millennials love these free financial tools that make managing money a breeze.

Managing money isn’t always a thrill, but millennials have found clever ways to make it easier—and often free. With the digital age offering more than just funny memes and binge-worthy shows, financial apps and tools are stepping up to help this generation tackle everything from budgeting to investing.

These tools are not only effective but also free. If you’re tired of feeling like your money is slipping through your fingers, check out these 11 game-changers that millennials swear by to boost their financial confidence without spending a dime.

Wealth on a Budget: 12 Tips to Build Wealth Without Earning a Six-Figure Income

February 24, 2025 by Riley Clendenin

You don’t need a fat paycheck to build real wealth.

You don’t have to make six figures to create a secure financial future—far from it. Sure, a big salary can help, but true wealth-building is less about what you earn and more about what you do with what you’ve got. By making smart, intentional choices with your money, you can grow your savings, invest wisely, and create financial freedom on a modest income.

The secret isn’t in extravagant earnings but in living within your means, making your money work for you, and being strategic with every dollar. These 12 practical and effective tips will show you how to build wealth on a budget, proving that you don’t need a hefty paycheck to achieve financial stability and even abundance.

12 Ways Lifestyle Creep Can Crush Your Investing Goals

February 26, 2025February 20, 2025 by Riley Clendenin

The sneaky ways lifestyle creep can derail your long-term financial growth.

You probably didn’t notice it happening. One day, you’re setting aside extra money for retirement, only to find that you’re spending far more than you did a few years ago. This subtle increase in your spending habits, known as lifestyle creep, often flies under the radar, leaving your investing goals vulnerable. The more money you make, the more you tend to spend—and that’s where things can get tricky.

While it feels good to upgrade your lifestyle, it’s easy to lose track of how much more you’re spending, potentially pushing your wealth-building ambitions out of reach. In this article, we’ll explore how small lifestyle upgrades can seriously slow down your investment progress and how to stay on top of your goals.

Protect Your Valuables: How a Bank Vault Safety Deposit Box Shields Against Climate Disasters

February 21, 2025February 19, 2025 by Riley Clendenin

When it comes to safeguarding valuables, nothing rivals the security and discretion of a safety deposit box.

For those with substantial assets, important documents, or irreplaceable heirlooms, a safety deposit box provides unparalleled protection in secure, monitored environments.

Whether you’re storing rare collectibles, legal documents, or high-value jewelry, choosing the right institution for a safety deposit box ensures peace of mind and ease of access when needed.

Below is a guide to the most reliable and well-regarded options for finding safety deposit boxes, tailored to those who value premium services and convenience.