James Clendenin

James Clendenin, a seasoned entrepreneur and financial guide, brings decades of real-world experience to HappyWallet.co, where he writes alongside his son, Riley Clendenin. As a senior who has navigated the ups and downs of building businesses and managing finances, James understands the importance of cultivating a strong Financial IQ at every stage of life. His journey began with a passion for entrepreneurship, but over the years, he realized that true success lies not just in earning money but in managing and multiplying it wisely. Through thoughtful articles and practical insights, James shares his hard-earned wisdom with Millennials and Gen Z, offering guidance on everything from smart investing to building financial resilience.

Old-School Money Hacks That Could Save You a Fortune

February 28, 2025 by James Clendenin

The best money-saving tricks aren’t new—they’re just forgotten.

In a world filled with apps, digital budgets, and complicated investment strategies, it’s easy to overlook the simple, old-school money hacks that our grandparents used to save a fortune. While technology has its perks, many of the tried-and-true methods of yesteryear still hold serious value. These old-fashioned strategies are not only effective but also easy to implement—without needing a degree in finance.

Many of these hacks focus on cutting out waste, being resourceful, and making the most of what you have. It’s not about deprivation or living a miserly life but about being smart and intentional with your money. Whether it’s stretching your grocery budget, avoiding unnecessary fees, or finding clever ways to save on household expenses, these timeless tips could help you keep more cash in your pocket.

Everyday Habits That Are Secretly Draining Your Wallet and Wrecking the Planet

February 28, 2025 by James Clendenin

Small everyday habits can silently drain your wallet and harm the planet.

We all have routines and habits that keep life moving smoothly, but some of those habits are costing us money and hurting the environment. The surprising part? Many of these wasteful practices are so ingrained that we barely notice them. Whether it’s leaving lights on when no one’s in the room or tossing out food that could’ve been saved, these small actions add up over time—both financially and ecologically.

Making small changes can have a big impact. By swapping out wasteful habits for more mindful choices, you can reduce your expenses and shrink your environmental footprint without feeling like you’re making sacrifices. Plus, being more conscious of how you spend your resources often leads to a simpler, more intentional lifestyle.

Here are some common habits that waste money and resources, along with easy ways to turn things around.

Travel Like a Pro on a Budget Without Missing Out on Epic Adventures

February 28, 2025 by James Clendenin

Young travelers are proving you don’t need a big budget to see the world.

Traveling on a budget doesn’t mean giving up on adventure, especially for younger generations who’ve mastered the art of stretching every dollar. With a bit of creativity and a willingness to embrace new experiences, they’re finding ways to explore incredible destinations without breaking the bank. Whether it’s scoring cheap flights, finding free activities, or swapping traditional hotels for more affordable alternatives, young travelers know how to make the most of every trip.

For many, it’s less about luxury and more about meaningful experiences. They prioritize adventure over amenities, choosing hostels over hotels, street food over fancy dining, and public transportation over pricey cabs. This shift in perspective not only saves money but often leads to deeper connections with local cultures and fellow travelers.

If you’re curious about how they do it, here are some savvy strategies younger people use to travel affordably while still soaking up every adventure along the way.

Simple Morning Rituals Can Turn You from Broke to Rich

February 27, 2025 by James Clendenin

The right morning routine can transform your finances and your future.

Mornings set the tone for the entire day, but they can do more than just boost productivity—they can also boost your bank account. The difference between staying broke and building wealth often starts with those first few hours. By swapping aimless scrolling or hitting snooze for focused, money-making habits, you can create a morning routine that not only energizes you but also sets you up for financial success.

It’s not about waking up at 4 a.m. or packing your schedule with endless tasks. Instead, it’s about incorporating a few powerful practices that align your mindset, habits, and actions with your financial goals.

The good news is that anyone can do it—whether you’re just starting out or already on a steady path to financial independence. Here are some ways to turn your morning routine into a stepping stone from broke to rich.

Is Grad School Worth It? The Real Pros and Cons You Need to Consider

February 27, 2025 by James Clendenin

Weighing the real benefits and risks of grad school before you take the plunge.

Deciding to go to grad school feels a bit like standing on the edge of a cliff—exciting, terrifying, and full of unknowns. With rising tuition costs and an unpredictable job market, the question of whether grad school is a smart investment or a costly gamble has never been more relevant.

The promise of advanced knowledge, a potential salary boost, and a prestigious degree can be enticing, but the hefty price tag and years of commitment often give pause.

Before signing up for late-night study sessions and student loan payments, it’s worth considering both sides of the grad school equation. For some, a graduate degree is the key to unlocking career doors that remain stubbornly shut.

For others, it might lead to debt without a clear return on investment. If you’re on the fence, here are the pros and cons to help you decide if grad school is your golden ticket or just an expensive detour.

Retire Early or Work Forever? The Controversial FIRE Movement Explained

February 25, 2025February 25, 2025 by James Clendenin

The FIRE movement isn’t for everyone, but it might just change the way you think about money.

Imagine walking away from a nine-to-five at 40, sipping coffee while others clock in, and having the freedom to spend your days however you please. That’s the dream driving the FIRE (Financial Independence, Retire Early) movement, where frugal living meets aggressive saving. But while some celebrate it as the ultimate financial hack, others criticize it as unrealistic, privileged, or even boring.

The truth is, the FIRE lifestyle isn’t a one-size-fits-all solution, and it certainly isn’t without sacrifice. Before you decide if you want to jump on the bandwagon or run in the opposite direction, it’s worth exploring both sides of this polarizing approach to life and money.

Excellent Ways to Improve Your Financial Literacy

February 21, 2025February 20, 2025 by James Clendenin

Money management isn’t just about making more—it’s about making smarter decisions with what you have. Financial literacy empowers you to take control of your spending, saving, and investing, ensuring long-term stability and wealth growth.

Whether you’re just starting or looking to refine your skills, these essential strategies will help you become more confident and knowledgeable with your finances.

By taking small, intentional steps, you can build a strong foundation that will serve you for years to come.

The FIRE Movement: Is Financial Independence, Retire Early Right for You?

February 21, 2025February 19, 2025 by James Clendenin

Explore whether financial independence and early retirement align with your goals.

The Financial Independence, Retire Early (FIRE) movement has captured the imagination of many, promising freedom from traditional work and the opportunity to live life on your own terms.

By adopting a lifestyle focused on aggressive saving, frugal living, and strategic investing, FIRE enthusiasts aim to retire decades earlier than the average person. But is this lifestyle right for you?

Achieving FIRE requires discipline, sacrifices, and a clear understanding of your financial goals. This article explores the principles of the FIRE movement, its pros and cons, and whether it aligns with your vision for the future.