24 BIPOC Personal Finance Bloggers You Have to Follow in 2022

melissa a. watkins Jan 26, 2022
black woman surrounded by sky

A lot of factors can contribute to our relationships with money

Race and culture are two factors that can be very important, not only because of the influence of external social and historical factors but also because of internal cultural factors and beliefs. BIPOC looking for financial advice sometimes need information tailored to our experiences as racialized people. 

Some of us learn about money in our cultures in ways that are different from mainstream advice. Some of us have histories that have impacted the amount of wealth we have access to, and we’re trying to pursue social equity in our financial lives. Some of us still deal with the influence of ongoing prejudices and social inequalities that keep us from accessing financial resources and equal pay.

Fortunately, there are a lot of BIPOC personal finance bloggers giving great financial advice to help us all. We’ve put together a list of some of the brightest and best, making sure to include a little something for everybody. 

These blogs, from Black, Indigenous, APIDA, Latinx and other creators of color, offer money management advice and information that speaks to BIPOC experiences and backgrounds.

1. The Budgetnista 

Tiffany “the Budgetnista” Aliche started her financial journey by losing her job as a preschool teacher, moving back in with her parents and landing deep in debt. In 2021, she became the first Black woman on the cover of Money Magazine. 

It’s all thanks to a simple, down-to-earth financial education program she developed based on her own experience. The Budgetnista helps Black women who struggle with financial freedom despite having professional careers and decent paychecks. 

Articles and challenges on The Budgetnista focus on financial wholeness, getting out of debt, and, as the title of Aliche’s best-selling book reminds us, “getting good with money.”

2. Jen Hemphill

If you’re managing your family’s finances but feel overwhelmed and under-informed, Jen Hemphill’s bilingual podcast, Her Dinero Matters, is for you.

Jen’s goal is to get people excited about managing their money with topics like money confidence, dreaming up big money goals and finding financial purpose. She also takes time out to discuss the impact of culturally relevant things like Hispanic Heritage Month, Latinas in leadership and Equal Pay Day. The blog, podcast and companion book are all available in both English and Spanish.

3. Clever Girl Finance

Sometimes, you need a good friend in your corner to push you toward your goals. Clever Girl Finance is that friend for your finances. 

Through a blog and podcasts, the CGF team provides clear, step-by-step ways to reach financial goals. A huge library of posts covers almost everything, from the best finance books to job productivity to the best free ways to have fun and stick to your spending plans. 

The CGF podcast takes a light, non-judgmental approach to common financial issues like overspending, paying off debt and finding your dream job.

4. Suma Wealth

Suma Wealth is a platform focused on eliminating the Latinx wealth gap by focusing on the people who tend to be in it — young adult, first- and second-generation immigrant Latinx who need different advice from what works for their traditional parents or more established Chicano peers. 

The site takes a fun, breezy approach with lots of meme humor. In between jokes you’ll find serious discussions of financial trauma, taking money risks for your dreams, entrepreneurship and other important money conversations. 

5. Brown Ambition Podcast

The workplace can be a minefield for BIPOC women, but a strong support network can make all the difference. The Brown Ambition podcast, hosted by finance journalist Mandi Woodruff and Tiffany Aliche of The Budgetnista, is like having a quick coffee break with other successful women of color every Wednesday. 

The hosts chop it up about finance in a relatable way that recognizes the power of a professional WOC. Often, they’re joined by well-known and financially savvy guest stars — think Luvvie Ajayi, Delyanne Barros, Helen Ngo and others. Occasionally episodes will take a more personal, reflective approach, but most of them are focused on smart career choices and how to make your ambitions reality. 

6. Afford Anything

9-to-5 jobs aren’t for everyone. Afford Anything is a blog and podcast focused on helping those who want a more flexible work life achieve it, with the financial freedom to match. 

Founder Paula Pant is a first-generation immigrant from India with an intriguing personal story and an undeniable joie de vivre that saturates the blog with optimism. 

Afford Anything specializes in solution-oriented pathways to financial independence and passive income, especially property ownership and investment. If you’re interested in real estate investment, entrepreneurship, financial independence or early retirement, this is the site for you. 

7. Frugal Chic Life

When you’re new to the world of personal finance, sometimes the best advice can come from someone else who’s trying to figure it all out as they go along. 

Frugal Chic Life is written by a busy Black single mom who owns being called “cheap” because she’s dedicated to achieving financial independence within the next decade. 

If you, too, want to be financially independent but need the concepts explained in simple English, this is a great blog to get you started. Frugal Chic gives practical steps, easy to understand explanations and great advice on building wealth to gain financial independence even if you’re not entirely sure what that looks like for you yet.

8. Debt Free Gonna Be

Sometimes, debt can make it seem like a personal finance journey is over before it’s even started. That’s where Debt Free Gonna Be comes in. 

As a first-generation college student, Nika Booth accrued heaps of student loan and personal debt. Now she’s working hard to pay off all $200,000, mostly through side hustles and wise financial planning. 

With tons of advice on creating good budgets, doing financial check-ups and developing good money habits, the blog is a great place for those of us who want to get rid of debt. It’s also great if you need a quick financial pick-me-up pep talk. Nika is cheerful and positive but also real and full of practical, proven advice.

9. My Fab Finance

My Fab Finance is an award-winning blog focused on making everyone the hero of their own money story. Like many personal finance bloggers, founder Tonya Raply was inspired to share what she learned from her own success in bouncing back from a financial low. 

MFF offers info on debt elimination, investing for beginners and breaking out of the paycheck-to-paycheck cycle. Raply’s posts take a truly holistic approach and dig into finance in all areas of life — you can even find information on how personal finance relates to politics in communities of color.

10. A Gai Shan Life

The first APIDA personal finance blogger on this list named her site after the Chinese phrase gai shan, which means “to improve.” A Gai Shan Life has a gentle, personal tone and focuses sharply on family finances, including vital information about supporting elderly parents and managing financial relationships with family positively.

There’s a literal lifetime’s worth of financial advice shared here, from how to effectively stretch your paychecks on a minimum wage job to how to take your first steps to becoming a millionaire. The blog also connects to a few projects that give back to Lakota Indigenous families in need.

11. Centsible Indian

Centsible Indian is another family-oriented blog from an Indian American immigrant. While it covers some topics familiar to readers of personal finance blogs — FIRE, passive income, investments and money management — there’s also a culturally conscious twist to some of the posts that’s relevant and refreshing. 

For example, it features frugal meal planning posts tailored to Indian menus. There are also suggestions of low-cost family fun and travel, as well as spending plans and retirement Q&As.

12. First Gen Money

If you immigrated to the U.S. with your parents, you might have to think about money differently from how they do. Sometimes, immigrant parents aren’t sure how to support their first-gen children during higher education or after.

First Gen Money is a video blog that addresses all of those issues, helping first-gen immigrants and college graduates through fun videos that give step-by-step instructions and guides on a variety of financial topics, both mainstream (like FIRE) and culturally specific (like what to do if you’re your immigrant parents’ retirement plan).

13. My Money Chronicles

Many of the blogs on our list focus on the financial experiences of women of color. My Money Chronicles is by and for Black men. Jason Butler started the blog to chronicle his quest to pay off debt by picking up side hustles. 

Over time, Jason’s debts are disappearing, and now he’s using his financial savvy to travel, build new side businesses and share his knowledge with others. This blog walks you through the steps to having a successful, low-stress side hustle to increase your income, and gives tips on how to manage money beyond just debt.

14. His And Her Money

His and Her Money is run by Black power couple Talaat and Tai McNeely. Their claim to financial fame is using their finances to strengthen as a couple, instead of letting money fights cause problems. 

Working together, Talaat and Tai paid off more than $300,000 in consumer debt, then paid off their mortgage. Now their mission is to share their formulas for success with other couples through their blog and podcast. They tackle things like insurance, inheritances, taxes and credit counseling from a practical, couple-oriented perspective.

15. My Debt Epiphany

We all have different approaches to a good financial life. For some people, it’s mental health. For others, it’s exercising control over a part of life that many people find challenging. 

My Debt Epiphany focuses on the “control” part, mainly through frugality and getting out of debt, with an emphasis on maximizing your income and planning your spending. 

There’s a lot of advice here that’s useful for those dealing with generational poverty in Black communities, first-gen college students and aspiring entrepreneurs who don’t have a business background or strong support network.

16. Madam Money

If current events have you confused about how you can financially keep up with the state of the world, check out Madam Money. It’s regularly updated with primers on how the economic news affects you personally. 

After keeping you up to date with what’s in financial news, posts usually follow up with proactive ways to manage your finances in the face of inflation, predatory lending and unemployment. Some posts also include videos produced in partnership with Black News Channel.

17. Millennial Revolution

  • Founder/Creators: Kristy (FIREcracker) and Bryce (Wanderer)
  • Best for: Getting into FIRE and prepping for life after(early) retirement.
  • A post we love: Why Freedom Can Be Scary 

FIRE, or Financial Independence/Retire Early, is a popular concept, but for BIPOC the trend is still catching on. FIREcracker and Wanderer, the nicknamed creators of Millennial Revolution, are breaking down how to gain wealth and quit work step by step based on their own experiences. 

As APIDA bloggers, they’re sensitive to some nuances that other FIRE bloggers might miss — like the cultural pressure for some young Chinese American people to put all their money into a house with high mortgage payments, rather than high-yield investments. They also add incentives for folks new to FIRE by posting plenty about their world travels, financed by their early retirement plan.

18. Well Balanced Wallet

If you feel like you have a pretty good handle on your finances and just need a few hints to level up, check out Well Balanced Wallet. Creator Kamika Smith is a Black financial aid counselor who describes herself as “obsessed with finances.”

The blog focuses on everyday finances and offers tips on things you don’t always see, such as putting how to make big purchases like a home right next to more unusual, but very necessary, advice on how to set up sinking funds and accept debt at certain points in life.

19. Mintworthy

Mintworthy focuses on financial clarity and removing mental blocks around money. Created by Vanessa Bowen, a Black woman who is both an accountant and a mental health practitioner, the blog focuses on money in a holistic sense, and addresses wellness concepts like abundance, shame, and self-worth candidly and positively. 

As a bonus, there’s the Worthy Women series, featuring video interviews with women from all walks of life who made their way from negative mindsets into financial wellness.

20. On My Way To Wealth

Luis Rosa, the creator of On My Way To Wealth, immigrated to the U.S. from the Dominican Republic when he was 11 years old. Because he didn’t learn much about money management at home, he turned to formal education and became a Certified Financial Planner. 

The knowledge Luis shares on his blog is geared toward other first-gen immigrants and adults who didn’t learn about modern money management from their families. The blog gives balanced advice about spending and includes a lot of helpful information on how to make sure you’re being paid competitively, as well as a series on money management lessons from growing up Latinx. 

21. Paychecks and Balances

Paychecks and Balances started as a way for creator Rich Jones to share both his career expertise as a recruiter and his personal experience of becoming debt-free. His blog and podcast encourage BIPOC to engage with financial topics that are trendy but also important for a strong financial future. 

You’ll find posts about things like cryptocurrency, NFTs, and all kinds of investment funds and accounts. You’ll also find info about Black mental health in the workplace, learning how to talk about money, combining finances with a partner and setting a good financial example for the young people in your life. 

22. The Money Speakeasy

Speakeasies were places for secret social gatherings in the 1920s. The Money Speakeasy is a place for all of the money talks we might find socially or culturally taboo today. 

There’s a lot of ground to cover: Talking about money with aging parents, figuring out how much to give in donations and financial gifts, and getting laid off are some of the hard-to-broach topics you’ll find on the blog. 

The Speakeasy’s advice pulls no punches. If you’re looking for candid advice about something in your financial life that’s difficult to talk about, it’s a great resource. It’s also founded by a Black man, with Black cultural ideas forming the foundation of many of the posts.

23. The Finance Bar

  • Creator: Marsha Barnes
  • Best for: Financial info you can discuss with your community
  • A post we love:4 Ways To Redefine Luxury

The Finance Bar is meant to open social conversations about money that we might not be comfortable with online. The Finance Bar is about the community, social and relational aspects of money. 

It also features interviews with entrepreneurs and credit case studies, and the heart of the blog is looking at financial topics that come up when you’re talking to your friends, family and neighbors.

24. Money Smart Latina

The Latinx community is diverse, and so is the information available on Money Smart Latina. The blog is tailored to Latinas who want to learn how to manage money, negotiate for higher pay, invest and build solid community finances. 

The information here spans topics including multigenerational living tips, loan advice, and how to navigate things like scholarships, graduations and business trips. Athena also hosts a YouTube channel if you’d prefer to see the same info in video form.

About the author

Melissa A. Watkins is a Black finance writer who has traveled to many different countries and been broke in a few, too. With the help of some of the blogs on this list, she’s managed to build a freelance career that includes writing for major finance companies and publications.

Image by nappy via Pexels.

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