Clute Wealth Management

11/02/2026

There used to be agreed upon "rules" that you could use as a guiding light for your finances like mortgages. For years, buyers were told not to go above 30% of income, but do those rules still apply now?

For years, buyers were told not to go above 30% of income. The guidance may be changing.

10/31/2026

Wishing everyone a happy 👻 Halloween 🎃 as they celebrate today! Hope you have a fun, safe, and treat filled night.

10/30/2026

You come across a forgotten certificate of deposit. It seems like found money, until you learn that your bank has no record of it. These tips can help make sure it doesn't happen to you.

https://hubs.li/Q04BPMVP0

10/30/2026

We will be away from the office today until 1:30pm for a team retreat. We are busy planning for the year ahead!

Feel free to call, text, or email us!

10/28/2026

Think you could pass an AP exam on personal finances? These hosts tackle sample questions from the exam to test their own knowledge.

Could you pass the AP Business with Personal Finance Exam? In this episode, Jill, Mark, and special guest AJ Ayers put their financial knowledge to the test with sample exam questions to find out. Plus, how many bank accounts do you need? Let's break it down.

10/26/2026

Adding a teen to your insurance as they learn to drive can cause a big jump in your rates. But these tips have been able to keep the cost from going too high for some going through the situation right now.

Unlike health insurance, a parent’s auto policy has no age limit on when a child has to be removed. But it’s good to know the options.

10/23/2026

There's science behind the allures of shopping and the dopamine created by it. But that isn't always healthy for your personal finances or your financial plan. For some, "pretend shopping" on sites like these sometimes helps bridge that gap.

Dopamine sites let you shop without spending a penny. But they might not keep you from pulling out your credit card anyway.

10/21/2026

Pay advance apps tout deals like "no fees", but under the marketing jargon the data shows that most users of these apps are regularly incurring the high-fees, which hurts their personal finances more than helps.

The loans tide borrowers over until their next paycheck. The apps offer no-cost options, but most users end up paying high fees, a report finds.

10/19/2026

While an AI-agent might sound enticing, consider the extreme risks before letting it handle any personal information, especially things like your finances. There's currently no clear rules around your options if you discover your AI-agent has made a "mistake".

You can hand off tasks — and purchases — to AI. But if something goes wrong, legal protections are murky.

10/15/2026

Excited to be at the VermontBiz2Biz Expo today connecting and celebrating with other local businesses and business owners!

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