HumbleDollar (@ClementsMoney) header
HumbleDollar (@ClementsMoney) profile picture

HumbleDollar

@ClementsMoney

Founded by the late Jonathan Clements, former WSJ columnist, contributor to "My Money Journey," author of "How to Think About Money" and "Money and Me"

 Philadelphia
HumbleDollar.com
Joined January 2015
  • Tweets7.6K
  • Following231
  • Followers20K
61Media
Photo by HumbleDollar (@ClementsMoney)Photo by HumbleDollar (@ClementsMoney)Photo by HumbleDollar (@ClementsMoney)Photo by HumbleDollar (@ClementsMoney)Photo by HumbleDollar (@ClementsMoney)Photo by HumbleDollar (@ClementsMoney)Photo by HumbleDollar (@ClementsMoney)
UNC's endowment gained nearly 38% last year. MIT's gained just 10.3%. The difference? SpaceX. And yet... @AdamMGrossman explains why that’s no reason to chase private funds humbledollar.com/2026/10/pri…
Private Funds - HumbleDollar

Private Funds - HumbleDollar

IT’S THAT TIME of year again, when college endowments report their results for the recently completed fiscal year. This year’s numbers were unusual and carry lessons for individual investors. For...

humbledollar.com
2
8
1,091
The market’s CAPE ratio is now higher than it was in 1929, just before the crash. And yet... @AdamMGrossman explains why every alarming stat has an equally convincing counter-story humbledollar.com/2026/10/bey…
Beyond Predictions - HumbleDollar

Beyond Predictions - HumbleDollar

NATURE ABHORS a vacuum. That’s well known, but when it comes to investing, this poses a particular problem. Why? In the absence of anyone having the ability to predict the future, commentators and...

humbledollar.com
1
9
1,496
Not everyone needs life insurance, and not every policy is worth buying... @AdamMGrossman explains how to determine if you need coverage, how much, and which type to choose. humbledollar.com/2026/10/lif…
Life Insurance - HumbleDollar

Life Insurance - HumbleDollar

EARLIER THIS YEAR, Pacific Life Insurance Company agreed to settle a class action lawsuit brought by policyholders. At issue were marketing materials that its customers argued were misleading. While...

humbledollar.com
1
9
1,552
Historical returns can be a misleading way to predict the stock market... @AdamMGrossman explains how to avoid costly investing mistakes and tilt the odds in your favor... humbledollar.com/2026/10/mar…
Market Risks - HumbleDollar

Market Risks - HumbleDollar

YOU MAY BE familiar with a concept known as Pascal’s wager. Named for Blaise Pascal, a devout seventeenth-century French mathematician, it was a thought experiment in which he tried to weigh, in...

humbledollar.com
1
11
1,445
Would you retire with 100% of your money in stocks? @AdamMGrossman ran the numbers, and the results might change your mind... humbledollar.com/2026/10/why…
Why Bonds Matter - HumbleDollar

Why Bonds Matter - HumbleDollar

RECENTLY, A READER—let’s call him Tom—posed this question: If stocks historically have delivered far better returns than bonds, then why should an investor own any bonds at all? Even with the stock...

humbledollar.com
1
1
1
15
2,000
"Bitcoin isn't a valid investment" says @AdamMGrossman. Don't miss another 11 lessons on investing, risk, and building wealth... humbledollar.com/2026/09/fin…
Financial Lessons - HumbleDollar

Financial Lessons - HumbleDollar

WHAT’S THE MOST important idea in personal finance? It’s hard to single out just one, but over the years, I’ve found the following dozen ideas to be among the most useful. Whether it’s on TV or...

humbledollar.com
1
2
11
1,417
Bonds are supposed to be the “safe”. So why have they struggled so much? @AdamMGrossman explains what’s happening, and how you may need to structure their portfolio... humbledollar.com/2026/09/str…
Structuring Bonds - HumbleDollar

Structuring Bonds - HumbleDollar

IT’S BEEN AN UNUSUAL week in the bond market, and not necessarily in a good way. This has many investors questioning the value of bonds, which is understandable. Bonds are supposed to be the “safe”...

humbledollar.com
1
1
1
10
2,969
When it comes to money, we often overcomplicate things. @AdamMGrossman walks through 6 financial decisions where the right choice may be more obvious than you think... humbledollar.com/2026/09/fin…
Financial Choices - HumbleDollar

Financial Choices - HumbleDollar

FOR MUCH OF THE seventeenth and eighteenth centuries, European monarchs used a financial instrument known as a tontine to help finance their governments.  Tontines were first developed in the 1650s...

humbledollar.com
1
13
1,776
A thief opened a 529 plan in someone else’s name, and used it to steal more than $2,000. @AdamMGrossman explains how it happened, and how to protect yourself... humbledollar.com/2026/09/fin…
Financial Fraud - HumbleDollar

Financial Fraud - HumbleDollar

RECENTLY, A FELLOW—let’s call him Tom—contacted me with a distressing story of financial fraud. I’ll describe what happened then review steps you might take to prevent this same sort of thing. Tom...

humbledollar.com
4
8
1,814
TIPS are supposed to protect you from inflation. In 2022, they lost investors nearly 12%. @AdamMGrossman breaks down what actually works instead... humbledollar.com/2026/08/inf…
Inflation Hedge - HumbleDollar

Inflation Hedge - HumbleDollar

THE OPEN KITCHEN restaurant has been a fixture in Charlotte, North Carolina for 75 years. The restaurant has an old-time feel, with memorabilia, including menus from years gone by, lining its walls....

humbledollar.com
3
3
1
35
12,671
The U.S. government just hit $40 trillion in debt. What does that mean for investors? @AdamMGrossman offers three ways to prepare for what could come next. humbledollar.com/2026/08/40-…
$40 Trillion of Debt - HumbleDollar

$40 Trillion of Debt - HumbleDollar

SOME MILESTONES are auspicious. Others are not. This week, the Treasury announced that the federal government’s debt had topped $40 trillion for the first time. Government debt is nothing new, but...

humbledollar.com
2
7
1,784
Can Situational Awareness teach investors any lessons? @HumbleDollar's @AdamMGrossman thinks so—and no, he’s not talking about a mindfulness practice. Find out his takeaways from the same-named hedge fund debacle.   humbledollar.com/2026/08/ris…
Risk Management - HumbleDollar

Risk Management - HumbleDollar

BY NOW, YOU’VE probably heard the story of the 25-year-old wunderkind Leopold Aschenbrenner. After graduating as valedictorian from Columbia University at age 19, he worked for FTX, the crypto...

humbledollar.com
1
9
1,419
Sitting on big market gains but terrified of the tax bill? @HumbleDollar's @AdamMGrossman shares a smart strategy to effectively manage risk and help you reduce your holdings efficiently.  humbledollar.com/2026/08/ris…
Risk and Taxes - HumbleDollar

Risk and Taxes - HumbleDollar

AFTER YEARS OF heady gains in the stock market, many investors are facing the same question: To manage risk, they’d like to cut back on one or more of their holdings. But because of the potentially...

humbledollar.com
1
1
8
1,667
The concept of Social Security is quite simple.  You retire and then claim your benefit. @HumbleDollar's @AdamMGrossman explains some scenarios that can change how much you receive. humbledollar.com/2026/08/soc…
Social Security - HumbleDollar

Social Security - HumbleDollar

AT FIRST GLANCE, Social Security appears straightforward. During our working years, we pay into it, and in retirement, it sends us a monthly check, guaranteed for life. Unfortunately, it isn’t always...

humbledollar.com
1
8
1,274
Evidence-based investing seems to make perfect sense.  But, is it that simple?  @HumbleDollar's @AdamMGrossman explains why some of the top market indicators can steer you wrong.  humbledollar.com/2026/07/mar…
Market Indicators - HumbleDollar

Market Indicators - HumbleDollar

WHEN IT COMES to financial decisions, many investors subscribe to an approach known as evidence-based investing. The idea, as the name suggests, is to base decisions, whenever possible, on data...

humbledollar.com
1
6
1,331
In a K-shaped economy, young people are stuck on the bottom leg. Should parents help to bridge the gap?  @HumbleDollar's @AdamMGrossman navigates the options and dilemmas of gifting wealth. humbledollar.com/2026/07/k-s…
K-shaped Economy - HumbleDollar

K-shaped Economy - HumbleDollar

A TOPIC THAT’S been in the news recently is the so-called K-shaped economy.  Imagine a chart plotting the relative standing over time of those with higher incomes and those with lower incomes. Owing...

humbledollar.com
1
12
1,784
In a K-shaped economy, young people are stuck on the bottom leg. Should parents help to bridge the gap?  @HumbleDollar's @AdamMGrossman navigates the options and dilemmas of gifting wealth.   humbledollar.com/2026/07/k-s…
K-shaped Economy - HumbleDollar

K-shaped Economy - HumbleDollar

A TOPIC THAT’S been in the news recently is the so-called K-shaped economy.  Imagine a chart plotting the relative standing over time of those with higher incomes and those with lower incomes. Owing...

humbledollar.com
2
1,336
Newborns and toddlers have retirement accounts.  How is that? @HumbleDollar's @AdamMGrossman explains the Trump Account and reasons why funding it may or may not make sense. humbledollar.com/2026/07/tru…
Trump Accounts - HumbleDollar

Trump Accounts - HumbleDollar

INNOVATION IN THE world of retirement plans is decidedly slow moving. But as of July 4th, investors now have a new savings option known as a Trump account. In short, these are retirement accounts...

humbledollar.com
2
8
2,640
Investors use the phrase "This time is different"  to explain their behavior in changing markets.  But is it really different?  @HumbleDollar's @AdamMGrossman explains why it remains an open questions.  humbledollar.com/2026/07/ope…
Open Questions - HumbleDollar

Open Questions - HumbleDollar

AS WE CELEBRATE 250 years since the Declaration of Independence, I’m reminded of an expression that’s popular in the investment world: “This time is different.” The phrase dates to a 1993 publication...

humbledollar.com
2
9
1,972
There are three types of investment fables that offer useful lessons for investors. What are they? Hint:  They involve watches, a shoe-shiner, and abandoned investment accounts. @HumbleDollar's @AdamMGrossman explains. humbledollar.com/2026/06/inv…
Investment Wisdom - HumbleDollar

Investment Wisdom - HumbleDollar

THE INVESTMENT WORLD is full of storytellers. And while these folks might be entertaining, they generally aren’t very helpful. There’s one category of stories, however, that I do think is useful:...

humbledollar.com
1
4
1,337
Load more