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Elaine M. Clements

    Forum Posts

    Note to HD Writers and Contributors

    30 replies

    AUTHOR: Elaine M. Clements on 4/3/2026
    FIRST: Dave Melick on 4/3   |   RECENT: David Lancaster on 4/30

    Forum Rules

    13 replies

    AUTHOR: Elaine M. Clements on 3/30/2026
    FIRST: W.D. Housley on 3/30   |   RECENT: Linda Grady on 4/1

    One Last Book

    10 replies

    AUTHOR: Elaine M. Clements on 12/12/2025
    FIRST: Jack Hannam on 12/12/2025   |   RECENT: Aaron Hayes on 3/6

    Letter from Elaine

    20 replies

    AUTHOR: Elaine M. Clements on 11/22/2025
    FIRST: Rick Connor on 11/22/2025   |   RECENT: mytimetotravel on 11/28/2025

    Jonathan and website update

    79 replies

    AUTHOR: Elaine M. Clements on 9/19/2025
    FIRST: Jack Hannam on 9/19/2025   |   RECENT: Fed Up on 9/25/2025

    Replacing the Replacement

    88 replies

    AUTHOR: Elaine M. Clements on 3/6/2025
    FIRST: Cecilia Beverly on 3/6/2025   |   RECENT: Elaine M. Clements on 3/13/2025

    Comments

    • Also, this post does not adhere to the Forum rules for posting. The question should have gone directly to Bogdan.

      Post: HD Reader’s Demographics

      Link to comment from June 17, 2026

    • Per my many conversations with Jonathan, he believed HD was primarily a retirement website with the demographic being mid-career to late career, close to retirement, or currently in retirement. I know there are readers from all sorts of backgrounds (not all college educated) and professions, a majority of which followed Jonathan from the WSJ. And, with a range of net worths that represent the varying levels of "enough" to achieve "financial freedom." So, use that information as you will. No need at this point for any kind of formal demographic analytics.

      Post: HD Reader’s Demographics

      Link to comment from June 17, 2026

    • Well, the thanks goes to Jonathan, who pre-scheduled a number of posts during his last couple of months.

      Post: Jonathan’s Advice for 2026 Graduates

      Link to comment from May 7, 2026

    • I have not used them yet. But, when the time comes and I need advice, Jonathan told me to use them, which I will. Sorry I can't be of more help.

      Post: Financial Planning

      Link to comment from April 12, 2026

    • All I can say is that my husband Jonathan Clements suggested if I ever needed to get expertise on various aspects of my investments, IRAs or other accounts, Vanguard Personal Advisor was the way to go. And I trust him.

      Post: Financial Planning

      Link to comment from April 11, 2026

    • Thank you for posting this, Andrew. i appreciate it more than you could ever know.

      Post: Carrying Humble Dollar Forward

      Link to comment from April 8, 2026

    • Thank you, Mary. I'm very private so it would a challenge to share more about my situation. But who knows?

      Post: Note to HD Writers and Contributors

      Link to comment from April 5, 2026

    • Thank Martin. I agree that that some of the posts should have been better moderated, hence the Forum Rules post.

      Post: Note to HD Writers and Contributors

      Link to comment from April 4, 2026

    • Thank you. But I didn't ask for suggestions. I simply reminded past writers of Jonathan's request.

      Post: Note to HD Writers and Contributors

      Link to comment from April 4, 2026

    • Thank you Dave. I'll be looking forward to it!

      Post: Note to HD Writers and Contributors

      Link to comment from April 4, 2026

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