Kevin Mercadante

Since 2009, Kevin Mercadante has been sharing his journey from a washed-up mortgage loan officer emerging from the Financial Meltdown as a contract/self-employed “slash worker” – accountant/blogger/freelance blog writer – on OutofYourRut.com. He offers career strategies, from dealing with under-employment to transitioning into self-employment, and provides “Alt-retirement strategies” for the vast majority who won’t retire to the beach as millionaires.

He also frequently discusses the big-picture trends that are putting the squeeze on the bottom 90%, offering workarounds and expense cutting tips to help readers carve out more money to save in their budgets – a.k.a., breaking the “savings barrier” and transitioning from debtor to saver.

Kevin has a B.S. in Accounting and Finance from Montclair State University.

Opinions expressed here are the author’s alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

Recent Articles by Kevin

Chase Business Complete Banking Review

With a wide range of small business products and services, Chase is one of the top business banks in the U.S. But can Chase Business Complete Banking compete with lower-cost accounts offered by fintechs and online banks? Learn more.

How to Make Money with AI

Many people worry that AI is going to take their job. After all, the technology is already capable of performing thousands of different tasks more quickly and efficiently than any human. But can AI actually help you make money? Learn more.

10 Best Business Savings Accounts For 2024

If you're a small business owner looking for a place to store your excess cash, you may want to consider a business savings account. The best business savings accounts offer attractive APYs, low fees, and flexible withdrawal options. Learn more.

ESOP vs. ESPP: What You Need to Know

Employee Stock Ownership Plans (ESOPs) and Employee Stock Purchase Plans (ESPPs) are valuable employee benefits that not all companies offer. Here's what you need to know about their similarities, differences, tax treatments, and whether or not you should sign up. Learn more.

PocketSmith Review: The Best Freemium Budgeting App?

Pocketsmith is a powerful budgeting app. In addition to the usual budgeting features, it allows you to link accounts from major banks in 49 countries around the world and has multi-currency capability. Is it right for you? Find out in this full Pocketsmith review.

What Is an ESPP and Should I Participate in One?

An employee stock purchase plan, or ESPP, allows employees to purchase company stock at a discount. Unfortunately, not all companies offer ESPPs. Find out how ESPPs work and whether you should join an ESPP if given the opportunity. Learn more.

States That Don’t Tax Retirement Income

Thinking of moving to a lower-cost state after you retire? All things being equal, you're better off, financially speaking, moving to a state that doesn't tax retirement income. But which states are those and what other factors should you consider? Here is a list of nine states that don't charge income tax. Learn more.

What Is a Roth IRA?

A Roth IRA is a tax sheltered account that enables you to draw tax-free income in retirement. But there are contribution limits and other rules you must follow to get the most out of the account. Find out how the Roth IRA works, and how it compares to a traditional IRA account. Learn more.

Apple High-Yield Savings Account Review: Is It Worth It?

The Apple High-Yield Savings account offers a competitive APY with no monthly fees or minimum balance requirements. But there's a catch. It's only available to iPhone users who have an Apple Card. Is it worth switching for? Learn more in this full review.

Milli Review: No-Fee Banking and a High Savings APY

Milli is an online banking app from First National Bank of Omaha. It offers no-fee banking with a high APY on savings. But it lacks some of the features offered by top online banks like Chime and Ally. Is Milli worth signing up for? Our Milli app review covers the key features, pros and cons, pricing, and more.

18 Best Places to Sell an Old Laptop Online in 2024

Do you own an old laptop that you no longer use? You may be surprised at how much money you can get for it on the resale market. But you need to sell it on the right platform to get the best possible price. Here are 18 of the best places to sell an old laptop online. Learn more.

How to Watch NFL Games Without Cable

Many people are saving money by cutting their cable TV. Who wants to pay over $100/month when they only watch a few channels. But what if you’re an NFL fan? Does it mean that you have to give up watching your favorite sport? No, you don't. Here are 10 ways to watch NFL games without cable.

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