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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.

Kids And Finances

Teens And Money: How To Adjust Your Teen’s Budget When Income Changes

November 2, 2015
By Brock Kernin
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The balance between how much to save and how much to spend is a difficult concept to teach teenagers. It's challenging because teens don't have a firm grasp on how much things cost or the life experience to know what expenses they may face. The fact … [Read more...] about Teens And Money: How To Adjust Your Teen’s Budget When Income Changes

Medical Bills

Can I Pay For Over The Counter Medication Using Funds From My Health Savings Account?

October 30, 2015
By Brock Kernin
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My son was having periodic pains in his sides, about at the bottom of his rib cage. After a few days of this occurring, it was time for a visit to the doctor. An x-ray revealed that his bowels were backed up, causing pressure on his ribs, and thus … [Read more...] about Can I Pay For Over The Counter Medication Using Funds From My Health Savings Account?

budgeting

This Trick WILL Help You Afford Things Bigger Than Your Budget

October 28, 2015
By Brock Kernin
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Breaking problems down into manageable sized pieces is a familiar process for me. As a software engineer I do it every day. The first thing an engineer does when given a large and complex problem is to find a way to break it into smaller, less … [Read more...] about This Trick WILL Help You Afford Things Bigger Than Your Budget

Kids And Finances

Teens And Money: Teaching Teens That Coupons Are Cool

October 26, 2015
By Brock Kernin
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My sleepy eyed, bed headed teenage boy emerged from his room at 11:30am Saturday morning informing us that his friends were coming over at about noon to hang out. He declined my offer to make him lunch before his friends showed up, explaining that … [Read more...] about Teens And Money: Teaching Teens That Coupons Are Cool

Kids And Finances

Teens And Money: Lessons Learned Buying Electronics

October 21, 2015
By Brock Kernin
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My son was visibly excited to open up the box left by the UPS driver. His new graphics card for his computer had arrived, and he was anxious to install it. He brought his computer to the kitchen table where we laid it on it's side, removed the side … [Read more...] about Teens And Money: Lessons Learned Buying Electronics

Financial Education

Why Do I Need A Computer Chip On My Debit/Credit Card?

October 19, 2015
By Brock Kernin
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I recently received a new debit card in the mail, as the one I had been using for the last few years was set to expire soon. This one looked a little different, as it had a small metallic chip embedded within the card. I had heard that card issuers … [Read more...] about Why Do I Need A Computer Chip On My Debit/Credit Card?

Loyal3 investment platform logo

Loyal3 Investment Update

The Clever Investor: Loyal3 Update – 10/16/2015

October 16, 2015
By Brock Kernin
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  In last month's Clever Investor update I saw my investments gain in value even though the market as a whole dropped significantly. This month has seen the exact opposite results. I guess that's the way it rolls sometimes. Before looking … [Read more...] about The Clever Investor: Loyal3 Update – 10/16/2015

Value

Fundraising Season: It’s Not About The Product

October 14, 2015
By Brock Kernin
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I opened the front door to face a young man who lived down the street, his dad standing about fifteen feet behind him as to give him some space. I caught a glimpse of the piece of paper in his hand and knew immediately that he was a Cub Scout selling … [Read more...] about Fundraising Season: It’s Not About The Product

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