It is not surprising personal finance has experienced a surge in popularity in an economy that suggests the workforce will undergo more transformative changes in the coming decades. As retirement has come to seem elusive, more and more readers and writers have explored the topic and taken financial independence into their own hands. This new generation has transmuted financial knowledge into an array of personal finance blogs and podcasts all of which suggest, through a regimented approach to saving, cultivating lucrative income streams, and wise investments readers can achieve a life free from the constraints of a traditional career or retire at an age that be the envy of generations past.
What Are Personal Finance Blogs?
Personal finance blogs are online publications that propagate information intended to help readers reduce their expenses, increase their income and their number of income streams, and invest their money wisely. The blogs within the scope of our review generally cater to a specific demographic, most commonly millennials trying to maximize their financial standing in a tough economy or trying to avoid the economy altogether and young families setting themselves up for long-term financial health. Many of the blogs add a degree of demographic specificity but are typically still relevant to all readers.
How Did They Become So Popular?
The explosion of personal finance blogs is closely intertwined with the financial independence movement which is a school of thought that encourages thinking carefully about finances in a changing economy. Gen-Xers and millennials around the country have become increasingly insecure about retirement as the contours of the national and global economies change, and employers play a diminishing role in establishing provisions on which their employees can retire. With the onus of the task in their hands, twenty- and thirty-something around the country have sought to take charge of their own finances and retire in the prime of their lives.
The Best and Rising-Star Personal Finance Blogs
We must mention, the research for this article was quite a bit of fun. Along the way, we discovered the value of reading widely, especially content not intended for your specific demographic. The entertainment value of many of these blogs is on par with the validity of their content. You are unlikely to find a cure-all blog for all your curiosities but if keep looking you'll find a collection of blogs that can satiate your interests.
The Luxe Strategist
The Luxe strategist is a sardonic guide to living beyond your means. This blog is based in The Big Apple and retains a very New York-chic edge in all of its content which is geared toward fabulous people whose salaries do not quite match their tastes. If you want to save money to invest in handbags or shoes, more so than stocks and securities, this the best of personal finance blogs for you.
Guy on FIRE
FIRE, in this case, is Financial Independence & Real Estate which is a fairly accurate description of the blog as a whole. The author, known only as Drew, is a millennial who managed to turn onerous student debt into a net worth of $500,000 in four years. The blog is heavy on advice for readers interested in cultivating an alternative income stream through rental properties although there is a fair amount of information on developing a strong investment portfolio.
Dads Dollars Debts
Even if you aren't a dad, this is on the list of can't miss personal finance blogs. The content is curated specifically with dads resistant to the notion that fatherhood implies decades of mandatory toil, but the posts apply to everyone and even if they don't have children so long as you do have a sense of humor as many of the posts are quite entertaining.
Tiny ambitions is the most eco-friendly of the personal finance blogs we reviewed for this article. The blog is authored by a young woman, Britt, who provides her readers with advice on achieving financial independence through minimalism, simple living, and agriculture. Britt has a certain recluse quality that may be a bit much for some readers, but her advice is poignant and necessary in our time. The blog also features a podcast with a farm to table theme.
This blog cuts a broad swath compared to its competitors. Authorship is a bit unclear but based on the range and amount of content; there must be multiple minds behind this general-interest personal finance publication in addition to the "guest posts." The page features advice on almost every imaginable topic geared toward saving readers a little extra cash.
The Give and Get
The aptly named, Sheila Goldgrab, is a corporate coach who authors The Give and Get blog which is committed to bringing to life personal stories of financial hardship or success with implicit wisdom to be gleaned by the reader. The blog highlights the benefits of thinking outside the box and refusing to let flawed common knowledge be the death knell of readers' financial lives.
Chronicles of a Father with Cents
Despite the name, this blog is not just for dads. Family with Cents may have been a more appropriate name for the publication as it includes articles on all aspects of finance for the domesticated American family committed to thinking carefully about expenses and making smart decisions for the future of the family as a whole. The blog also includes reviews of books on finance and assessments of products that could save families money.
The Money Habit
The Money Habit is authored by a millennial who managed to retire at the ripe old age of 28, and that ethos largely informs its content. If you are a millennial who has gotten very sick of working life early on in the process, this is the best of the personal finance blogs for you. It will guide you through every stage of reducing your expenses, maximizing your income, and leveraging your assets into a viable long-term investment strategy.
Minafi is another of the personal finance blogs written by and geared toward millennials. The blog's author, Adam, writes about the intersection of minimalism, mindfulness, careful investing, and a reasonable approach to finance in daily life. The content may strike older readers as a little heavy on a younger generation's perspective on work, but the information applies to anyone who aspires to retire much earlier in life than their parents.
As you may have guessed from the name, the abandoned cubicle is yet another blog dedicated to reducing expenses and finding a way to retire as soon as possible. In case you haven't picked up the trend amongst our best personal finance blogs, The Abandoned Cubicle offers a perspective meant to resonate primarily with millennials who want to cut costs and find to a way to enjoy their free moments at the same time.
Corporate Monkey, CPA
This blog is all about reclaiming your time and your personal freedom from the clutches of professional life. The Corporate Monkey is written by a relatively young accountant and father who offers wide-ranging advice on all aspects of personal finance and simultaneously advocates the "family gap year" which involves quitting your job and spending a year wandering whatever portion of the globe strikes your fancy without meeting financial ruin along the way.
As the name suggests, this blog is dedicated to personal finance issues specifically impacting active service members and veterans. This blog will address all issues related to military finance, especially access to VA services and military specific discounts on everything from an oil change to a mortgage.
I Dream of FIRE
This is the regular Joe of the best personal finance blogs. The blog is written by Scott, a father who adopted a rigorous approach to personal finance after one of those disastrous, vulnerable moments experienced by us all after verifying the dearth of funds we have saved. The content is all largely mainstream advice for mainstream, working people to develop a durable plan for retirement.
From Pennies to Plenty
Readers will have to give Arlene credit; she is not shy about addressing a challenge. From Pennies to Plenty is a blog about a general approach to saving money while retaining a sense of style based in San Francisco, one the countries most expensive and stylish cities. The content has a feminine bent but offers a useful perspective for all readers.
The Financial Journeyman
Compared to the rest of the personal finance blogs we reviewed, The Financial Journeyman is the working man's blog. The blog's author began his journey to early retirement on the factory floor and to this day neither he nor his wife pull down a salary that would be the envy of their friends, yet the author has found a way to put him and his partner on track for long-term solvency through saving and smart investing.
This is one of the best personal finance blogs for free spirits. The content focuses on integrating savings strategies into your lifestyle without stomping out the eccentricities that make you unique. The blog covers all the most common, relevant personal finance topics with a greater focus on maintaining the motivation to live responsibly in terms of finance and preserve your idiosyncrasies.
Frugal Asian Finance
Don't let the title scare you off. This blog is accessible and relevant regardless of your race. The blog approaches personal finance from the perspective of a young, Asian mother. Posts include information about relationships, cuisine and nutrition, family life, and strategies for keeping expenses at a minimum through the daily grind.
Do you ever feel like telling your boss to shove it, walking out of the office, and boarding a plane to Argentina, never to return to the corporate world? You are going to love Gwen. Fiery millennials detail Gwen's avoidance of work in favor of a semi-nomadic, financially versatile lifestyle that leaves her beholden to only to her financial independence schemes. The tone is helpful and intimate, perfect for younger readers new to personal finance blogs.
A Gai Shan Life
Revanche is another personal finance powerhouse author, credited with a feat of financial gymnastics she completed in her twenties. I will not spoil the story here but suffice it to say her commitment to "gai shan," the constant improvement of your environment, is laudable, to say the least. Content is largely informed by young family life, real estate investments, and the commensurate management of people and funds.
The Dumpster Dog Blog
This is definitely the Cosmopolitan of personal finance blogs. The content centers on Mandy's work and expense avoidance, how she made the frugal life quite a bit a fun and features a plethora of lewd and licentious material that will have you laughing out loud, alone, over your kitchen table. This is not the personal finance blog for grandma, but it is a great resource for young women and worth a read, regardless of your gender, for entertainment value alone.
Reaching for Fl
This blog is a fairly mainstream account of making long-term financial well-being a reality for working people with minimal disposable income. The author, Erin, is based in Washington D.C., one of the most expensive cities in the United States, where she makes life work on a salary that does not match the cost of the Capital and finds room in her monthly budget to save and invest.
Married and Harried
This blog takes the common frugal family model and slightly amends the take on financial responsibility in daily life. The blog centers on a fairly big family and provides a lot of content on mainstream financial issues relevant to working families with a healthy dose of advice on how to make time with your family to have fun and connect.
A Journey to Fl
JJ provides readers with a fairly straightforward blog filled to the brim with tips on standard financial independence topics for working professionals committed to making informed decisions about how to leverage their assets long-term. The blog separates itself from other, similar personal finance blogs written by young parents in that the author, and his wife, are from immigrant families that value faith in their lives.
A Dime at a Time
A Dime at a Time is the personal finance blog for the mature and indebted reader. Lucy details the experience of her and her husband as they try to stave off the regret requisite with decades spent ignoring the finer points of personal finance and focus on paying down debt in the present to open doors for the future.
Chris Reining is possibly the most reputable author on our list of the best personal finance blogs, and he is definitely the most visible. His appearances include segments on Good Morning America and a feature in the New York Times. The topic's his blog addresses are all fairly mainstream, but the quality of the interface on his website is unrivaled. Likewise, the advice and resources furnished by Reining's blog are spotless.
Passive Income M.D.
This blog offers a sort of triage for the diversity of income streams that underwrite the readers' freedom to devote time to their families and their passions while working, just on your own time. Peter is a young doctor and father writing from Los Angeles. His blog provides an impressively broad collection of advice and resources in a smooth, easy to comprehend format.
Married with Money
The Married with Money blog represents the intersection of personal finance blogs geared toward younger married couples and those geared toward millennials eager to make responsible decisions with their money. The posts center around the author, Dave, and his wife as they navigate the early stages of married life and the long road to financial security, as a couple.
Not unlike a few of the other authors we have covered in this article, Caroline is an unshakable mom with the grit to lead a family through tough financial times. Her blog is loaded with content great for parents who are the primary caretakers of their children and maintain an income on the side. The page has tons of affordable crafts for decorating your home and occupying your kids at minimal expense and strategies for taking your side-hustle up a notch.
Mr. Free at 33
Mr. Free, also known as Jason Fieber, is of the retire early school within the Financial Independence movement. The Mr. Free at 33 blog outlines a strategy for early retirement heavily dependent on leveraging investment assets to yield consistent, reliable dividends that facilitate a lifetime of passive income and unfettered personal freedom.
Waffles on Wednesday
For the folksy, family approach to personal finance wisdom, look no further than the Waffles on Wednesday blog. This blog is written by Mr. and Mrs. Wow (Waffles on Wednesdays) who preside over what sounds like a pretty typical family situation. They curate a fun, if slightly repetitive, a collection of posts, articles, and resources that chronicle their lives and provide financial insight.
Readers with a strong desire to shore up their long-term financial health have a bevy of resources at their disposal in the proliferation of personal finance blogs. The range of blogs we reviewed for this article fall roughly into three categories: millennial-focused finance, general FIRE (Financial Independence, Retire Early) information, and family-centered approaches to financial responsibility. There is a substantial interplay between these categories and some authors add a layer of specificity to their blogs, but readers can find entertaining and relevant posts on any of the sites we reviewed.