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Clever Dude Personal Finance & Money

Clever Dude Personal Finance & Money

Family, Marriage, Finances & Life

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Brock Kernin

Brock Kernin is a software engineer and personal finance writer who paid off more than $100,000 in credit card debt through disciplined budgeting and debt-management strategies. Drawing on that experience, his BA degree and years of practical writing, he contributes clear, actionable money guidance to CleverDude focused on everyday financial decisions, frugal living, and long-term stability.

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Cheap Entertainment

Teaching My Son the Art of the Happy Hour

January 27, 2020
By Brock Kernin
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My son turned 21 last week and is now able to legally consume adult beverages. It is my duty as his parent to educate him regarding the money saving phenomenon known as the happy hour. Drink Specials The primary reason for the happy hour is … [Read more...] about Teaching My Son the Art of the Happy Hour

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Education

Are Parents Legally Obligated to Pay for College?

January 21, 2020
By Brock Kernin
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In 2018, 69% of college graduates had taken out student loans, the average amount of those loans totaling $29,800. With one child in college and a second looking to start next year that number is scary to me. I certainly want to help my children in … [Read more...] about Are Parents Legally Obligated to Pay for College?

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Reward Programs

Retail Rewards Programs: Beware!

December 30, 2019
By Brock Kernin
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Rewards programs can help consumers save money if they're used right. The best rewards programs are cash back, but they don't all work that way. Retailers sometimes give rewards in the form of free product with restrictions that consumers have to … [Read more...] about Retail Rewards Programs: Beware!

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Spending

Ten Gifts Under 25 Dollars For College Students

December 16, 2019
By Brock Kernin
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Coming up with gift ideas for college aged young adults can be a tough task. When my son was young his letter to Santa was literally pages long. But as he's gotten older the number of requests has shrunk, although the price tag has gone up. If you're … [Read more...] about Ten Gifts Under 25 Dollars For College Students

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Finances & Money • Investing

Best Stocks Under 1 Dollar: The Five Best

December 9, 2019
By Brock Kernin
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  The purpose of investing is to make money. Most people sink their money into established companies expecting growth over a long period of time. A select few want a side of adrenaline and volatility with their capital gains. They hope to … [Read more...] about Best Stocks Under 1 Dollar: The Five Best

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Saving Money

Cable Bill Analysis: 4 Ways You May Be Wasting Money

December 2, 2019
By Brock Kernin
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I evaluate all of my monthly expenses every few months, but my primary target this time was the cable bill. It had been creeping up over the last year or two, and it finally crossed the line of what I was willing to pay. Evaluating the cable bill is … [Read more...] about Cable Bill Analysis: 4 Ways You May Be Wasting Money

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Investing

Can You Make An Early Retirement Withdrawal?

November 25, 2019
By Brock Kernin
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We put money into retirement accounts and watch the balance grow looking forward to the day when we have enough funds to permanently retire. Sometimes a situation arises that may necessitate an early retirement withdrawal. It can be done, but there … [Read more...] about Can You Make An Early Retirement Withdrawal?

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College

How To Select The Right College

November 18, 2019
By Brock Kernin
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The ability to select the right college is one that influences the course of a person's life. People you meet could be friends and business contacts for life. You might meet your spouse. Your experiences will affect where you get your first job and … [Read more...] about How To Select The Right College

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