No one goes broke from avocado toast

This is a new kind of conversation about money.

Healthy Rich is a platform for inclusive, budget-free financial education. We share stories that highlight the diversity of our relationships with money, and we center voices — and pay writers — that are often left out of the conversation, including women, BIPOC, LGBTQ+, rural, working class and people with disabilities.

Become a free subscriber to get the latest from the Healthy Rich blog and Make Money Better podcast right in your inbox. Upgrade to paid to get our personal finance classes and support our mission to increase access to financial education.

We all have unique relationships with work and money.

You’re welcome here, whether you earn a six-figure salary, get by gig to gig, work for tips, pay bills with unemployment or Social Security checks, are saddled with unpaid caretaking or domestic work, work in middle management, run a small business, manage a nonprofit, or cover everything with credit cards or student loans.

Healthy Rich is a place for everyone to get in touch with their relationship with money and discover ways to manage it with ease.

Our approach to financial education lends an antidote to pervasive budget culture, a damaging set of beliefs that rewards restriction and deprivation, and promotes an unhealthy and fantastical ideal of financial wellness.

We reject budget culture, because we know budgeting doesn’t work.

We don’t prescribe one “right” way to manage your money, because no way is right for everyone. Instead, we make space for diverse perspectives to help you discover what makes sense for you. We know the value of your wisdom to choose your next move, and we’ll be beside you as you do it.

At Healthy Rich

you don’t need a budget

there are no debt-free screams

we won’t teach you to be rich

and you can buy the damn latte.

In a healthy rich world, we don’t have to earn spending through productivity, saving or debt payoff; we aren’t obsessed with mathematical optimization; we don’t apologize for spending money, having debt or using community resources; we don’t presume to know what’s a “need” versus a “want” — and we’ll never tell you not to buy it either way.

We’re smart and kind, but we’re not perfect. We know no one can ever fully understand anyone else’s experience, and we know we all swim in a fishbowl of biases. We’ll get everything wrong. We’ll admit our mistakes, apologize for our impact and keep moving forward together.

Work and money are universal issues we each experience uniquely — and we don’t talk about the nuances enough. Budget culture ignores the “unique” part. At Healthy Rich, we shine a big, bright spotlight on it.

Thanks for being part of this new kind of conversation about money!

What we make

Through this Substack, you’ll find:

  • Healthy Rich blog: Essays that explore the ways money intersects with our culture and individual lifestyles.

  • Make Money Better podcast: Conversations and actionable ideas to make money better for everyone.

  • Personal finance classes: Lessons on earning, saving, spending and managing money with ease and joy based on our budget-free framework.

Financial educators, interested in getting access to our class materials for your students/program participants? To learn more about those resources and bespoke course design, email me anytime: hi (at) healthyrich (dot) co

Who we are

Created by Dana Miranda, CEPF®

I’m a Certified Educator in Personal Finance® (CEPF®) and a personal finance journalist. I operate from a fundamental belief that work should be fun and money should be easy.

I grew up in a working-class family in a small town in Wisconsin. When I joined the ranks of personal finance media in 2015, I found the niche led mostly by advice (and admonitions) from middle-class white men, ignoring the broad diversity of our relationships with work and money. After leaving a leadership position with a popular financial media startup and spending two years as a freelance writer, I founded Healthy Rich to change the way we talk about money.

I’m a regular contributor to Forbes Advisor, Personal Finance Insider and The Penny Hoarder, and I’ve written about work and money for Culture Study, the New York Times, CNBC, The Motley Fool, NextAdvisor, and Inc. Magazine, among others.

💗 Thanks to our team and contributors

Jessica Lawlor, blog editor

Carson Kohler, blog writer

Stefan Davis, graphic designer, audio/video editor

Farrah Daniel-Bermudez, writing contest judge

Illustrations by Katelyn Valentine

Photos of Dana by Heather Comparetto

And keep an eye out for all of our contributors to the Healthy Rich blog — their bios and links are at the top of each post! Like, follow and comment to let them know how their stories impact you.

Why become a paid subscriber?

As a free subscriber, you’ll get an email when we publish new blog posts and podcast episodes, and anyone can access that content on the site.

When you upgrade to a paid subscription for $7/month (or $84/year*), you’ll help us bring inclusive, budget-free financial education to the community organizations that most need our resources — and keep Healthy Rich the one place in personal finance media that doesn’t rely on corporate licensing or fintech advertisers.

Paid subscribers get access to personal finance classes and occasional paywalled posts. But the vast majority of our content — and comments — are free for anyone, in keeping with the reason we’re here: to have a new kind of conversation about money.

If you want access to our paywalled content but the price doesn’t feel accessible for you, reach out to request a comp subscription — no questions asked.

If you want to support our work without a recurring payment, make a one-time contribution of any amount you choose.

*Unlike most content subscriptions, we don't offer a discount for paying upfront, because bulk discounts disadvantage people who have less money.

Do your friends a favor!

Want to make money better for someone you know? Share Healthy Rich anytime to invite them to join the community.

Share Healthy Rich

Manage your account

Choose which sections you get notifications for in your account

Update your subscription anytime here

Read the archive here


Email: hi (at) healthyrich (dot) co


Dana Miranda
entrepreneur and personal finance educator
Healthy Rich contributors
We publish, produce and host projects from budding creators whose voices we don’t hear enough in personal finance media, like BIPOC, women, LGBTQ+ and people with disabilities.