The Clever Wallet

The One Number That Tells You If You’re Actually Building Wealth

The One Number That Tells You If You're Actually Building Wealth You have $8,000 in your checking account. You feel pretty good. You're "doing okay" financially. You tell yourself you're…

Bob Moore January 21, 2026

Goal Setting motivation Productivity

Why Going Alone Means You’ll Quit, But Going Together Means You’ll Succeed

Why Going Alone Means You'll Quit, But Going Together Means You'll Succeed You set a goal to save $10,000 this year. January arrives. You're motivated. You transfer $100 to savings.…

Bob Moore January 18, 2026

Budgeting Building Wealth Money Saving

The Tax Planning Money Move: Save $4,500 By Thinking Beyond April

The Tax Planning Money Move: Save $4,500 By Thinking Beyond April April 15th arrives. You scramble to find receipts you threw away in July. You panic-search for charitable donation confirmations.…

Bob Moore January 15, 2026

Budgeting Building Wealth Money Saving

Stop Treating Your Tax Refund Like Found Money

Stop Treating Your Tax Refund Like Found Money It's April. Your tax refund hits your bank account. $2,800. Suddenly you feel rich. Time to celebrate! New TV? Weekend trip? Shopping…

Bob Moore January 12, 2026

Building Wealth Productivity Wealth Creation

The 15-Minute Conversation Worth $8,500 Per Year

The 15-Minute Conversation Worth $8,500 Per Year You've been at your job for 18 months. You're performing well. You're doing the work of two people. But your salary hasn't changed…

Bob Moore January 9, 2026

Building Wealth Investing Productivity

Turn 10 Weekend Hours Into $14,400 Per Year

Your full-time job pays your bills. Barely. There's nothing left for savings, investing, or building wealth. You need more income, but you're already working 40 hours per week. Here's the…

Bob Moore January 6, 2026

Budgeting Debt Reduction Financial Tools

How 7 Days of Zero Spending Reveals Your Money Leaks

You think you know where your money goes. You have a budget. You track expenses (sort of). You consider yourself financially aware. Then you try not spending any money for…

Bob Moore January 3, 2026

Budgeting Debt Reduction Financial Tools

The Math-Backed Method That Saves You Thousands in Interest

You have multiple debts. Credit cards. Student loans. Car payment. Maybe a personal loan. Every month you make minimum payments and watch the balances barely move. You're paying hundreds—maybe thousands—in…

Bob Moore December 31, 2025

Budgeting Credit Repair Money Saving

The 10-Minute Check That Could Save You $50,000

Your credit score is costing you money right now. Or saving you money. You just don't know which because you haven't checked it. Here's a number that will shock you:…

Bob Moore December 28, 2025

Budgeting Building Wealth Money Saving

Why Willpower Fails and Systems Win Every Time

You've tried to save money before. You made a plan. You were motivated. You promised yourself "this month will be different." Then life happened. Bills arrived. Friends invited you out.…

Bob Moore December 22, 2025

The One Number That Tells You If You’re Actually Building Wealth

Why Going Alone Means You’ll Quit, But Going Together Means You’ll Succeed

The Tax Planning Money Move: Save $4,500 By Thinking Beyond April

Stop Treating Your Tax Refund Like Found Money

The 15-Minute Conversation Worth $8,500 Per Year

Turn 10 Weekend Hours Into $14,400 Per Year

How 7 Days of Zero Spending Reveals Your Money Leaks

The Math-Backed Method That Saves You Thousands in Interest

The 10-Minute Check That Could Save You $50,000

Why Willpower Fails and Systems Win Every Time

You’re Paying for 17 Subscriptions but Only Using 6

You’re Bleeding $347 Per Month and Don’t Even Know It

Why You’re One Emergency Away From Financial Disaster (And How to Fix It)

I Tracked Every Expense for 30 Days – Here’s What I Discovered About My Spending Habit

Index Funds vs Individual Stocks for Beginners: Which Path Should You Choose?

The One Number That Tells You If You’re Actually Building Wealth

Why Going Alone Means You’ll Quit, But Going Together Means You’ll Succeed

The Tax Planning Money Move: Save $4,500 By Thinking Beyond April

Stop Treating Your Tax Refund Like Found Money

The 15-Minute Conversation Worth $8,500 Per Year

Turn 10 Weekend Hours Into $14,400 Per Year

The One Number That Tells You If You’re Actually Building Wealth

Why Going Alone Means You’ll Quit, But Going Together Means You’ll Succeed

The Tax Planning Money Move: Save $4,500 By Thinking Beyond April

Stop Treating Your Tax Refund Like Found Money

The 15-Minute Conversation Worth $8,500 Per Year

Turn 10 Weekend Hours Into $14,400 Per Year

How 7 Days of Zero Spending Reveals Your Money Leaks

The Math-Backed Method That Saves You Thousands in Interest

The 10-Minute Check That Could Save You $50,000

Why Willpower Fails and Systems Win Every Time

The One Number That Tells You If You’re Actually Building Wealth

Why Going Alone Means You’ll Quit, But Going Together Means You’ll Succeed

The Tax Planning Money Move: Save $4,500 By Thinking Beyond April

Stop Treating Your Tax Refund Like Found Money