About Productive Penny
I created this site out of a passion for personal finance, and for sharing that information with others.
Meet Andrew
Hi! I'm Andrew, a 29-year-old software engineer living in Indianapolis. I graduated from Notre Dame with a business degree, but my passion for personal finance comes from years of planning, optimizing, and learning how to make every dollar count.
I've always hated waste – whether it's money, time, or opportunities – and that mindset naturally drew me to personal finance. Over the years, I've seen how small, intentional choices can grow into big results.
Outside of finance and coding, you'll find me on the pickleball court, hiking new trails, cheering on the Irish, or planning my next travel adventure. I believe money should support the life you want – not hold you back – and that's the core philosophy behind this blog.
My goal is to share practical strategies to build confidence, security, and freedom with your finances. Stick around, and let's make your money work as hard as you do.
About This Site
With this site I have three overarching objectives that guide everything I write and share.
1. Provide tools and information for financial security, and someday, financial independence.
Productive Penny is a platform of information regarding money and personal finance. The end goal isn't necessarily about having the most money you can possibly obtain. But it's about feeling secure and happy with your financial situation. It's about being confident that what you're doing is best for you. And someday, it's about having enough money that you don't have to rely on anyone else, and you can retire when you want to.
2. Make personal finance simple yet smart.
Most things about money don't have to be overly complicated. My goal is to keep things simple, but also make sure to think things through before making a rash judgment about anything. I think sometimes it's fun to talk about the math behind things, but other times I don't want to bore you with unnecessary details. Personal finance is meant to be simple, and I strive to keep it that way without sacrificing quality.
3. Foster an environment for learning.
This site is about learning about personal finance. It's learning for you, and it's learning for me too. I guarantee there were things that I didn't know until I researched them while writing one of my posts. I'm always looking to grow my knowledge, and with that, help you grow yours too.
What I Cover
Better Budgeting
Learn how to create realistic budgets, track expenses, and build money management habits that stick.
Saving Strategies
Practical strategies for building emergency funds, cutting expenses, and saving for your goals.
Investing Tips
Demystify investing with beginner-friendly guides to stocks, bonds, and retirement accounts.
My Approach
I believe that personal finance doesn't have to be complicated or intimidating. My content focuses on:
- Keeping things simple without sacrificing quality
- Practical tips you can implement today
- Real-world examples and honest discussions
- Learning together - for both you and me
- Building confidence in your financial decisions
Why "Productive Penny"?
The name reflects my core belief: every penny has the potential to be productive when managed wisely. Whether it's the spare change you save in a jar or the dollar you redirect from a daily coffee to your emergency fund, small actions compound into significant results.
I'm here to help you make those pennies work harder, smarter, and more productively toward your financial goals.
Get Started
Ready to take control of your finances? Browse my latest articles and start your journey toward financial security and independence.