Tread Lightly, Retire Early

Meet The Women Of The Financial Independence Movement 

I love reading other financial blogs, and like most everyone else here, I initially stumbled upon the idea of financial independence through a couple of those blogs. I think the online space is just incredible for motivation and finding a community of like minded individuals who cheer when you write about running to work on dark rainy mornings or line drying our laundry in order to tread lightly on the planet and to reach big financial goals.

A few months ago though, I was reading through a list of personal finance bloggers and there was literally one female listed. When someone asked in the comments below, this blogger said he didn’t know any others, which is absolutely crazy, because there are so many fantastic women in this space.

There is also a huge list of male financial bloggers, especially, male (software) engineers, starting with the original Mr Money Mustache. I think part of the reason stereotype of the white male tech FIRE blogger persists so strongly is because that is who first kicked off the movement in a big way, but it’s also more than that. When it comes to finance in general, that’s the default expectation across the board (except for maybe the specific career choice).

I am most definitely not a male engineer, but who knows about what the kid will grow up to be

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But not everyone who is interested in finance independence (and early retirement) are men with huge salaries, and I think it is so important to read different perspectives than fit in that narrow box.

Millennial Boss has a great list of FIRE bloggers who are not  male engineers, which is awesome for those of us who don’t make the big bucks and can’t possibly save 90% of our incomes. If you haven’t read this list, I would highly recommend checking out everyone on that list.

However, I’ve yet to see a specific list for the women, so I’ve decided to put one together here. I lived in a very progressive sorority at my liberal arts college as well as playing on the varsity softball team, and I know firsthand the power of a supportive and encouraging group of women. The female personal finance community feels very similar in this regard. The women here celebrate each other’s successes and empathize with the heartbreaks. I can only hope to meet many of them in real life some day.

Ps – this shouldn’t be surprising as women are overwhelmingly beginning to handle their family’s finances. The notion that men handle the money and women are just there to blow it is one that needs to finally die. These women are part of the movement that should finally change that archaic perspective.

I have plenty more to say on this topic – and maybe one day I will – but for now, go check out some of the content that has been produced by these awesome women.

And then go and read this follow up by Erin at Reaching For FI for a behind the scenes look at what it took to create this list, as well as the amazing and disappointing things that have come out as a result. And a year later, I’ve written a follow up to this post: The Year of Women in the Financial Independence Community – so many amazing things happened for women and money in 2018, and this list was just one of them.

Finance Blogs Written By Women

**I have been absolutely blown away from the response to this post and have taken some time to update the list to make it easier to find the kind of content you’re specifically interested in. With the incredible help of Erin from Reaching For FI, we have split the categories into:

  1. FIRE (Financial Independence, Retire Early)
  2. FIOR (Financial Independence, Optional Retirement – term coined by the wonderful Mad Money Monster)
  3. Debt Repayment
  4. General Finance
  5. Money Coaches
  6. Podcasts
  7. Books

DINK – Dual Income / No Kids

SINK – Single Income / No Kids

DIK – Dual Income / Kid(s)

SIK – Single Income / Kid(s)

The idea of the male financial blogger is so ingrained even in me that I had honestly expected this list to top out at around 30 – it has now morphed into over 100.  It goes to show how deep that bias is, even when you think you are aware of it. (This list will be updated regularly as I learn about new and amazing women who are writing and speaking in the personal finance arena online)

FIRE – DINK 

  1. A Purple Life
  2. All Options Considered
  3. Debt Free In Sunny CA
  4. Fetching Financial Freedom
  5. From One Geek to Another
  6. His and Her FI Post
  7. Kiwi And Keweenaw
  8. Millers on FIRE
  9. Our Next Life

FIRE – SINK

  1. Amanda Page
  2. Disabled Girl on Fire
  3. Fiery Millennials
  4. Financial Mechanic
  5. FIRE For One
  6. Frugality and Freedom
  7. Good Life. Better.
  8. Late Starter FIRE
  9. Military Dollar
  10. Millionaire on the Prairie
  11. Owning The Stars
  12. Partners In FIRE
  13. Radical FIRE
  14. Reaching For FI
  15. Recovering Women Wealth
  16. Well And Wealthy

FIRE – DIK

  1. A Gai Shan Life
  2. Frugal Asian Finance
  3. Frugalwoods
  4. Genymoney.ca
  5. Life Zemplified
  6. Millennial Boss
  7. Modest Millionaires
  8. Mom Money Map
  9. Northern Expenditure
  10. The Frugal Cottage
  11. The Frugal Gene
  12. TuppennysFIREplace

FIRE – SIK

  1. Burning Desire For FIRE
  2. Eat Sleep Breathe FI
  3. Little Miss Fire
  4. Love To Frugal
  5. Modern Fimily
  6. One Frugal Girl
  7. Stepping Stones to FI

FIOR – DINK

  1. Broke On Purpose
  2. Low Impact Life

FIOR – SINK

  1. A Chat With Kat
  2. Along the Camel Ride
  3. Budget X Babe
  4. Cash for Kat
  5. Champagne & Capital Gains
  6. Hong Kong Dividend Stocks
  7. Rich and Resilient Living
  8. The Luxe Strategist
  9. Walking to FIRE
  10. We Want Guac

FIOR – DIK

  1. Chief Mom Officer
  2. Financially Intentional
  3. Freedom FIter
  4. Handful of Thoughts
  5. Mad Money Monster
  6. Mama Fur Fur
  7. Money For The Modern Girl
  8. Our FI Nest
  9. Poorer Than You
  10. Savvy History
  11. She Picks Up Pennies
  12. The Leveraged Mama
  13. The Three Year Experiment
  14. Tread Lightly Retire Early
  15. Un Pais Libre

FIOR – SIK

  1. That Frugal Pharmacist
  2. Why We Money

Debt Repayment – DINK

Debt Repayment – SINK

  1. Rose Colored Water
  2. ZJ Thorne

Debt Repayment – DIK

  1. Debt Free Forties
  2. Jackie Beck
  3. My Debt Epiphany
  4. The 76k Project

Debt Repayment – SIK

  1. Free Fun Family
  2. Side Jam Biz

General Finance – DINK

  1. Baby Boomer Super Saver
  2. Bitches Get Riches
  3. Cash For Tacos
  4. Elementum Money
  5. Every Day by the Lake
  6. Fin$avvy Panda
  7. Half Banked
  8. I Like To Dabble
  9. Make Real Cents
  10. Making Sense Of Cents
  11. My Fab Finance
  12. My Life, I Guess…
  13. My Sense with Cents
  14. Science Finance
  15. Smile & Conquer
  16. Tenacious Feminist
  17. This Financial Wife

General Finance – SINK

  1. A Lawyer and Her Money
  2. Fitnancials
  3. Frugalish Physician
  4. Goodbye To Broke
  5. I Pick Up Pennies
  6. Mint Notion
  7. Money The Wright Way
  8. My Twenty Cents
  9. The Wallet Moth

General Finance – DIK

  1. A Dime Saved
  2. Brave Saver
  3. Frugal Overload
  4. Graduated Learning
  5. Her Money Moves
  6. Kassandra Dasent
  7. Mixed Up Money
  8. Money and Mountains
  9. NZ Muse
  10. Oscoey
  11. Saving Whiz
  12. The Budgeting Wife
  13. The Financial Graduate

General Finance – SIK

  1. I Heart Frugal
  2. Money After Graduation
  3. Savvy Family Finance
  4. Smart Money Mamas
  5. The Busy Budgeter

Money Coaches

  1. Bravely
  2. Budget Like A Lady
  3. Debbie Sassen
  4. Dr Jenn MD
  5. Dumpster Dog Blog
  6. Elizabeth Starr Harden
  7. Emily Guy Birken
  8. Family FI Life
  9. Firebird Finance
  10. Her First $100K
  11. Money School
  12. Money Smart Latina
  13. Money Tree Academy
  14. Moriah Chace
  15. The Budgetnista
  16. The Master Playbook
  17. Your Financial Launch Pad
  18. Your Money, Your Life Financial Coaching

Podcasts

  1. Afford Anything
  2. Be Wealthy & Smart
  3. Clever Girl Finance
  4. Everyday Courage
  5. FIRE Drill Podcast
  6. HerMoney
  7. Jessica Moorhouse
  8. Journey To Launch
  9. Martinis and Your Money
  10. Michelle Is Money Hungry
  11. Oh My Dollar
  12. So Money
  13. The Fairer Cents
  14. The Money Nerds

Books

  1. AgeProofMoney Rules, and Women With Money Jean Chatzky
  2. Broke Millennial and Broke Millennial Takes on Investing by Erin Lowry
  3. Clever Girl Finance by Bola Sokunbi
  4. End Financial Stress Now and The 5 Years Before You Retire by Emily Guy Birken
  5. Financial Fitness: 21 Easy Exercises To Get Your Personal Finances In Shape Fast! Dr. Vi Scott
  6. Happy Go Money Melissa Leong
  7. How to Be a Financial Grownup by Bobbi Rebell
  8. Kids Money Habits by Amy Koit
  9. Meet The Frugalwoods by Elizabeth Willard Thames
  10. Mom and Dad, We Need to Talk by Cameron Huddleston
  11. Operation Enough: How to Retire Remarkably Early Anita Dhake
  12. Quit Like A Millionaire Kristy Shen
  13. Shoo, Jimmy Choo! by Catey Hill
  14. Smart Mom, Rich Mom by Kimberly Palmer
  15. Teach Your Child to Fish: Five Money Habits Every Child Should Master Holly Reid
  16. The Broke and Beautiful Life by Stefanie O’Connell
  17. The Feminist Financial Handbook by Brynne Conroy
  18. The Financial Anxiety Solution by Lindsay Bryan-Podvin
  19. The Mindful Millionaire by Leisa Peterson
  20. The Money Queen’s Guide by Cary Carbonado
  21. The Nine Steps To Financial Freedom and Women & Money Suze Orman
  22. The Year of Less by Cait Flanders
  23. When She Makes More: 10 Rules For Breadwinning Women Farnoosh Torabi
  24. Work Optional by Tanja Hester (I wrote a review when it came out – check it out here)
  25. Your Money or Your Life by Vicki Robin
  26. Your Playbook For Tough Times by Donna Freedman

Interested in continuing the discussion? Join the Women’s Personal Finance (Women On FIRE) Facebook group. 

Looking for even more financial content written by women? Check out Women’s Money Talk and Women Who Money for sister sites that are 100% for and by women.