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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

Betterment Review – Is Betterment Worth It?

Betterment is one of the original robo-advisor platforms, but in recent years, it's expanded its product lineup to include a High-Yield Cash Reserve account, a no-fee checking account, and access to financial planning advice. How does it compare to other top robo-advisors? Find out in this Betterment review.

Axos Bank Review: Is Axos Right for You?  

Online banks are everywhere these days, but not all of them stand out in any meaningful way. If you’re looking for an online bank with excellent products and features, Axos Bank is one option. But how does it compare to other online banks, like Chime and Acorns? Find out in our full Axos review.

Stansberry Research Review 2025: Investing Newsletters for Everyone

Stock selection is one of the biggest challenges for investors of individual stocks. In response to that, an entire industry of investment advisories has grown up over the years. One of the most popular investment advisory services of the past two decades has been Stansberry Research.

What is an Index Fund?

Index fund investing got its start in 1976, but in less than 50 years, these funds have grown to represent just…

KashKick Review 2025: Is KashKick Legit?

KashKick is an online rewards website that pays you in PayPal cash for completing online surveys, testing new apps, watching videos, etc. But with no mobile app and a policy of deactivating inactive accounts after only 60 days, does KashKick measure up to popular apps like Survey Junkie and Swagbucks? Find out in this KashKick Review.

SoFi Invest® Review

SoFi Invest is an online platform offering commission-free stock trading and automated investing. We explore the pros and cons in our SoFi Invest review.

Otto Insurance Review: Is it Legit?

Otto Insurance is an online insurance aggregator that uses your personal information to match you with insurance companies that can offer you free quotes. But Otto is a fairly new company, so you may wonder if it's a legit place to look for an insurance policy. Find out in this Otto Insurance Review.

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