
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.
Remembering Jonathan
23 replies
AUTHOR: Andrew Clements on 9/9/2026
FIRST: Rick Connor on 9/9 | RECENT: Andrew Clements on 9/12
The Fear by Jonathan Clements
2 replies
AUTHOR: Andrew Clements on 9/4/2026
FIRST: bbbobbins on 9/4 | RECENT: Andrew Clements on 9/4
Finding A Balance
12 replies
AUTHOR: Andrew Clements on 9/2/2026
FIRST: Jeff on 9/2 | RECENT: Andrew Clements on 9/3
A Place At The Table
24 replies
AUTHOR: Andrew Clements on 8/26/2026
FIRST: luvtoride44afe9eb1e on 8/26 | RECENT: Andrew Clements on 8/29
The Lottery of Birth
25 replies
AUTHOR: Andrew Clements on 8/19/2026
FIRST: greg_j_tomamichel on 8/19 | RECENT: parkslope on 8/22
My Sister - A Reflection One Year Later
31 replies
AUTHOR: Andrew Clements on 8/12/2026
FIRST: greg_j_tomamichel on 8/12 | RECENT: Andrew Clements on 8/16
One Piece Of Paper
23 replies
AUTHOR: Andrew Clements on 8/5/2026
FIRST: R Quinn on 8/5 | RECENT: Andrew Clements on 8/6
What I Retired To
26 replies
AUTHOR: Andrew Clements on 7/29/2026
FIRST: greg_j_tomamichel on 7/29 | RECENT: Andrew Clements on 8/1
Costa Rica: The Richest Man On The River
18 replies
AUTHOR: Andrew Clements on 7/22/2026
FIRST: Bill Yount on 7/22 | RECENT: Andrew Clements on 7/24
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
WHEN MY YOUNGER brother Jonathan died, I thought I knew who he was.
After all, we had shared a childhood in England, years together at boarding school, family adventures in Bangladesh, and more than six decades as brothers. I knew the journalist the world admired, the devoted husband and father, and the man whose words quietly helped millions of readers live richer lives, not simply financially, but personally as well.
I was wrong.
Over the past several months,
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.


Comments
Thank you, Greg. I think you’ve touched on something important. If this experience taught me anything, it’s that even after knowing someone for a lifetime, there can still be so much we don’t fully understand about them. We all see only part of what another person is carrying. As you say, perhaps that’s reason enough to give each other a little more grace.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Thank you, Rick. Six hundred exchanges over seven years says so much about the relationship you and Jonathan developed. I especially loved the story about him blaming his lack of coffee rather than your writing, that sounds so much like the Jonathan I knew. And you make an excellent point that I probably haven’t emphasized enough: Jonathan was extraordinarily smart. To combine that intelligence with kindness, humility and the ability to make other writers better was indeed a rare combination. I’m grateful you shared this.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Thank you, Dave. I’m so glad you found HumbleDollar and that Jonathan’s writing, along with the contributions of so many others, has been meaningful to you. Gathering these memories turned out to be a gift to me as well. I began simply wanting to learn more about Jonathan, and instead came away knowing my brother more completely. Thank you for reading and for your kind words.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Thank you, Andrew. Hearing from writers like you who had the opportunity to work directly with Jonathan has helped me understand another side of him, especially how much he quietly taught through his editing. And those two examples of his humor are priceless,“dying was so much work” and “Getting Gone” sound so unmistakably Jonathan. His ability to face what was coming with such pragmatism and still find something to laugh about was remarkable. Thank you for sharing those memories and for helping keep his legacy alive.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Thank you, William. I’ve heard that same sense of surprise from so many readers, that Jonathan actually took the time to answer their emails personally. I think that says a great deal about him. And I especially appreciate your point that his lessons went far beyond financial awareness. As I’ve learned through writing this article, Jonathan taught us quite a bit about how to live as well.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Thank you, Dan. I like that thought. If we continue to live through the memories we leave with others, then Jonathan is certainly still very much with us. One of the unexpected gifts of writing this article has been hearing just how many people remember him, and how fondly.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Dan, I think you’ve described it perfectly. Jonathan somehow made an email exchange feel like a conversation between two people sitting across from each other. What amazes me, especially after hearing so many stories like yours, is how much of himself he gave to his readers. He didn’t have to respond, certainly not within minutes, but he did. I think you’re right, that personal connection is a big part of why so many readers came to think of Jonathan as a friend.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Linda, thank you so much. It means a great deal to me that you discovered Jonathan and HumbleDollar during such a difficult time in your own life, and that his words have stayed with you. Nick and I have been grateful for the opportunity to share some of the Jonathan we knew as brothers. As this article taught me, though, there were so many different sides to him, and hearing from readers like you has helped us know him more completely as well.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Thank you, Jeff. I think that’s one of the things I’ve come to appreciate most while writing this article. Jonathan touched people in so many different ways, and each memory shared with me has added another piece to the brother I knew. It means a great deal to know that a piece of him continues to live on in the HumbleDollar community.
Post: The Jonathan I Found: Through Others’ Eyes
Link to comment from September 19, 2026
Mark, your story brought back a memory. A couple of years ago, Mum wandered off shopping at Heathrow and came back with a Burberry scarf that had cost around $1,000. Yikes! She hadn’t really understood what she was spending, and we agreed it should go back, but by then it was too late to return to the store. Once we were home, I called Jonathan and asked what I should do. His advice was simple: let it go. So I did. Mum eventually gave the scarf to Dean, and I told him to treat it as a valuable asset! Besides, who needs a $1,000 scarf in Florida? Your article reminded me that sometimes pursuing money we’ve lost or are owed ends up costing us something equally valuable,our time and peace of mind. Jonathan understood that, and I think you and Suzie have reached the same conclusion.
Post: When $2000 Isn’t Worth the Hassle
Link to comment from September 16, 2026