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Andrew Clements

Andrew Clements

After spending more than two decades building a successful landscaping business with his twin brother Nicholas, Andrew Clements retired in 2015 with a new appreciation for what matters most. Born in England, his essays draw on a life that has included growing up in England and Bangladesh, entrepreneurship, caregiving, family loss and travel. A regular HumbleDollar contributor, he enjoys telling stories that remind readers life’s richest lessons often have little to do with money. Andrew is the older brother of HumbleDollar founder Jonathan Clements, whose life and legacy have inspired some of his most personal writing. He lives in Florida with his husband, Joey.

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Forum Posts

A Letter 40 Years Later: What Mrs. Dolezal Remembered

39 replies

AUTHOR: Andrew Clements on 7/1/2026
FIRST: Jo Bo on 7/1   |   RECENT: Andrew Clements on 7/19

Every Writer Has a Beginning

9 replies

AUTHOR: Andrew Clements on 7/8/2026
FIRST: Jack Hannam on 7/8   |   RECENT: Andrew Clements on 7/16

What Remains: Money and Me

38 replies

AUTHOR: Andrew Clements on 6/10/2026
FIRST: greg_j_tomamichel on 6/10   |   RECENT: Andrew Clements on 7/15

Money and Me by Jonathan Clements

9 replies

AUTHOR: Andrew Clements on 5/14/2026
FIRST: Rick Connor on 5/14   |   RECENT: Andrew Clements on 7/9

What Addiction Couidn't Take

49 replies

AUTHOR: Andrew Clements on 6/17/2026
FIRST: greg_j_tomamichel on 6/17   |   RECENT: Andrew Clements on 7/9

Four Walls

20 replies

AUTHOR: Andrew Clements on 6/24/2026
FIRST: Jo Bo on 6/24   |   RECENT: Andrew Clements on 7/1

Rethinking the “Right” Time for Social Security

82 replies

AUTHOR: Andrew Clements on 4/23/2026
FIRST: G Mzz on 4/23   |   RECENT: R Quinn on 6/6

Don’t Quantify the Qualitative

12 replies

AUTHOR: Andrew Clements on 6/3/2026
FIRST: DavidHLancaster on 6/3   |   RECENT: Andrew Clements on 6/4

My Father: The Peace He Never Found

38 replies

AUTHOR: Andrew Clements on 5/20/2026
FIRST: BMORE on 5/20   |   RECENT: Andrew Clements on 6/1

The Boy Who Tried Hard: A Reflection

31 replies

AUTHOR: Andrew Clements on 5/27/2026
FIRST: Ocher on 5/27   |   RECENT: Andrew Clements on 5/31

My sister's will and what it taught me.

20 replies

AUTHOR: Andrew Clements on 4/11/2026
FIRST: DAN SMITH on 4/11   |   RECENT: Andrew Clements on 5/29

Starting Up - Part 2

17 replies

AUTHOR: Andrew Clements on 5/14/2026
FIRST: Mark Crothers on 5/14   |   RECENT: Andrew Clements on 5/17

Starting Up

12 replies

AUTHOR: Andrew Clements on 5/7/2026
FIRST: greg_j_tomamichel on 5/7   |   RECENT: Andrew Clements on 5/10

One World, One Kind of Work

24 replies

AUTHOR: Andrew Clements on 4/30/2026
FIRST: greg_j_tomamichel on 4/30   |   RECENT: Andrew Clements on 5/2

Carrying Humble Dollar Forward

61 replies

AUTHOR: Andrew Clements on 4/7/2026
FIRST: Dan Smith on 4/7   |   RECENT: Andrew Clements on 4/21

What Bangladesh Taught Me About Enough

38 replies

AUTHOR: Andrew Clements on 4/16/2026
FIRST: mytimetotravel on 4/16   |   RECENT: Andrew Clements on 4/19

Comments

  • Jeff, thank you so much. I couldn’t agree more. Kindness has a remarkable ripple effect, often reaching far beyond the moment itself. Mrs. Dolezdal’s kindness touched my family all those years ago, and through her letter, it continues to touch others today. I think that’s a wonderful reminder of the difference even the smallest acts can make.

    Post: A Letter 40 Years Later: What Mrs. Dolezal Remembered

    Link to comment from July 19, 2026

  • Julie, thank you so much. That means more to me than I can say. If the story stays with you, then Mrs. Dolezdal’s kindness, and her beautiful letter, will continue touching lives long after both were written. I think that’s a wonderful legacy, and I’m grateful I had the chance to share it.

    Post: A Letter 40 Years Later: What Mrs. Dolezal Remembered

    Link to comment from July 19, 2026

  • Mark, this perfectly captures what many of us spend years learning. Money can buy comfort, security and choices, but it can’t buy the moments that stay with us. Looking back, the memories I treasure most aren’t attached to expensive possessions, they’re conversations with family, time spent with friends, helping someone through a difficult season, or watching a sunset with someone I love. Wealth gives us the opportunity to create those moments, but it’s our presence that makes them meaningful. Thanks for a thoughtful reminder of what really matters.

    Post: The Paradox of Wealth

    Link to comment from July 17, 2026

  • Dan, this is a great reminder that every decision comes with consequences, some immediate, others that may not show up for years. I think many of life’s biggest regrets aren’t the result of bad luck but of failing to ask, “What happens next?” Your examples are all financial, but the same principle applies to relationships, health, and even the words we choose. As Jonathan often wrote, good decisions compound over time and unfortunately, so do bad ones. Thanks for another thought-provoking article.

    Post: A Can of Worms

    Link to comment from July 17, 2026

  • Thank you William. It means a great deal to hear that. Writing these stories has helped me discover even more about Jonathan, and it’s been wonderful to share those discoveries with the people who appreciated his wisdom and kindness. I’m grateful you’re one of them.

    Post: Every Writer Has a Beginning: Organ Transplant Fails

    Link to comment from July 16, 2026

  • Thank you. I couldn't agree more. Jonathan was the beneficiary of kindness early in his career, and he spent the rest of his life extending that same kindness to others. That's a wonderful legacy.

    Post: The Making of Jonathan Clements

    Link to comment from July 15, 2026

  • Darelyn, thank you so much. Your words truly touched me. I miss Jonathan every day, and I know many others do as well. If this story reminded readers that the greatest impact we can have is often through simple acts of kindness and by simply being present for one another, then it accomplished exactly what I hoped. Mrs. Dolezdal's letter reminded me of that lesson in a way I'll never forget. Thank you for such a thoughtful and generous comment.

    Post: A Letter 40 Years Later: What Mrs. Dolezal Remembered

    Link to comment from July 15, 2026

  • Thank you Brian for taking the time to write such a thoughtful review. I smiled when you said it felt like Jonathan was personally guiding you through life, that's exactly how so many of us experienced him, whether we knew him personally or only through his writing. Like you, I found the final chapters especially powerful. Knowing what lay ahead, he still chose to write with clarity, honesty and hope rather than fear. That's a remarkable legacy to leave. I'm especially grateful that you're recommending Money and Me to your friends and adult children. If Jonathan could still speak to new readers today, I think that's exactly what he would hope for. Thank you again for keeping his voice alive.

    Post: What Remains: Money and Me

    Link to comment from July 15, 2026

  • Thank you Tom for sharing that. It doesn’t surprise me at all. Jonathan believed every reader mattered, and taking the time to write a personal thank you note was so like him. It’s the small acts of kindness and thoughtfulness that often tell us the most about a person’s character. I’m glad you shared this memory.

    Post: The Making of Jonathan Clements

    Link to comment from July 13, 2026

  • Thank you Dana. I’m so glad that came through because it became the heart of the article. Jonathan never forgot the people who helped him at the beginning of his career, and I think many of us can look back and identify someone who quietly changed the course of our own lives. I love your idea for a HumbleDollar series.

    Post: The Making of Jonathan Clements

    Link to comment from July 12, 2026

The Making of Jonathan Clements

Andrew Clements  |  Jul 11, 2026

WHEN READERS THINK of my younger brother Jonathan Clements, they often picture the longtime Wall Street Journal columnist or the founder of HumbleDollar. They remember the clear financial advice, the thoughtful essays and the quiet wisdom that helped millions make better decisions with their money.
But every writer has a beginning.
As I’ve been researching Jonathan’s life over the past several weeks, I’ve found myself drawn less to the career everyone knows and more to the people who helped shape it.

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