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

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. Podcasts
  6. Books*

*I am a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites.

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)


  1. A Purple Life
  2. All Options Considered
  3. Fetching Financial Freedom
  4. From One Geek to Another
  5. Frugasaurus
  6. Kiwi And Keweenaw
  7. Millennial Boss
  8. Ms Liz Money Matters
  9. Our Next Life
  10. Partners In FIRE
  11. The Frugal Gene


  1. Amanda Page
  2. Birds of a FIRE
  3. Disabled Girl on Fire
  4. Fiery Millennials
  5. Financial Mechanic
  6. Frugality and Freedom
  7. Military Dollar
  8. Miss Mazuma
  9. Ms. Fiology
  10. Ms ZiYou
  11. My Early Retirement Journey
  12. Owning The Stars
  13. Queer With Money
  14. Radical FIRE
  15. Reaching For FI
  16. Well And Wealthy


  1. A Gai Shan Life
  2. Countdown To Tranquility
  3. Dr Jenn MD
  4. Family FI Life
  5. FIREd Up About Finance
  6. Frugal Asian Finance
  7. Frugalwoods
  8. Girl FI Day
  9. Life Zemplified
  10. Modest Millionaires
  11. Northern Expenditure
  12. Peace Out And In
  13. The Money Habit
  14. TuppennysFIREplace


  1. Burning Desire For FIRE
  2. Dash2Retire
  3. Eat Sleep Breathe FI
  4. FI And Wine
  5. Financially Independent Mom
  6. Little Miss Fire
  7. Love To Frugal
  8. FIREthe9to5


  1. Budget Epicurean
  2. Low Impact Life
  3. Whymances Of Finances


  1. Budget X Babe
  2. Champagne & Capital Gains
  3. Full-Time Dollars
  4. The Luxe Strategist
  5. Triple Bottom Line FI
  6. Walking to FIRE


  1. Downsize Your 2080
  2. Financially Intentional
  3. Freedom FIter
  4. Mad Money Monster
  5. Mama Fur Fur
  6. Money For The Modern Girl
  7. One Frugal Girl
  8. Poorer Than You
  9. Reluctant Frugalist
  10. The Leveraged Mama
  11. The Three Year Experiment
  12. Tread Lightly Retire Early
  13. Our FI Nest


  1. Money Scrap
  2. On Our Way World
  3. That Frugal Pharmacist
  4. The Frugal Wallet
  5. Why We Money

Debt Repayment – DINK

  1. Our Table For Two
  2. Wise Mind Money

Debt Repayment – SINK

  1. Dear Debt
  2. Debt Dummy
  3. Debts To Riches
  4. Making It Rain
  5. ZJ Thorne

Debt Repayment – DIK

  1. Debt Free Forties
  2. My Debt Epiphany
  3. Sharon Raj Singh
  4. The 76k Project

Debt Repayment – SIK

  1. Side Jam Biz
  2. The Lady In The Black

General Finance – DINK

  1. Baby Boomer Super Saver
  2. Bitches Get Riches
  3. Broke Millennial
  4. Elementum Money
  5. Every Day by the Lake
  6. Feminist Financier
  7. Fin$avvy Panda
  8. Fun Times Finance
  9. Funding Cloud Nine
  10. Half Banked
  11. I Like To Dabble
  12. Keeping Up With The Bulls
  13. Little Green Revelation
  14. Making Sense Of Cents
  15. MissFunctional Money
  16. Mixed Up Money
  17. My Fab Finance
  18. My Life, I Guess…
  19. My Sense With Cents
  20. NZ Muse
  21. Science Finance
  22. Simplistic Steph
  23. Smile & Conquer
  24. Sunburnt Saver
  25. Tenacious Feminist
  26. The Budgeting Wife
  27. The Wild Wong
  28. This Financial Wife
  29. Xennial Blogger

General Finance – SINK

  1. Bravely
  2. Budget And The Beach
  3. Cash Fasting
  4. Dumpster Dog Blog
  5. Frugalish Physician
  6. Frugally Reckless
  7. Good Life. Better.
  8. Goodbye To Broke
  9. Happy to Hustle
  10. Her First $100K
  11. I Pick Up Pennies
  12. Jennifer T Chan
  13. Make Real Cents
  14. Michelle Is Money Hungry
  15. Millionaire On The Prairie
  16. Mint Notion
  17. Money The Wright Way
  18. My Twenty Cents
  19. The Give And Get
  20. The Land Of Milk And Money
  21. The Wallet Moth
  22. Working Moms World

General Finance – DIK

  1. Brave Saver
  2. Budget Like A Lady
  3. Debbie Sassen
  4. Femme Frugality
  5. Frugal Overload
  7. Graduated Learning
  8. Her Money Moves
  9. How We Do Money
  10. Kassandra Dasent
  11. Kids Money Habits
  12. Make Smarter Decisions
  13. Mom Money Map
  14. Money Tree Academy
  15. Montana Money Adventures
  16. She Picks Up Pennies
  17. Simple Organized Lifestyle
  18. The Financial Graduate
  19. The Frugal Convert

General Finance – SIK

  1. Chief Mom Officer
  2. I Heart Frugal
  3. Live Chic And Well
  4. Making Your Money Matter
  5. Money After Graduation
  6. Oscoey
  7. Personal Finance Junkie
  8. Savvy Family Finance
  9. Smart Money Mamas
  10. The Busy Budgeter


  1. Afford Anything
  2. Be Wealthy & Smart
  3. Clever Girl Finance
  4. FIRE Drill Podcast
  5. HerMoney
  6. House of FI
  7. Journey To Launch
  8. Millennial Money
  9. Mo’ Money Podcast
  10. Oh My Dollar
  11. So Money
  12. The Fairer Cents
  13. The Money Nerds


  1. Broke Millennial by Erin Lowry
  2. End Financial Stress Now by Emily Guy Birken
  3. Financial Fitness: 21 Easy Exercises To Get Your Personal Finances In Shape Fast! Dr. Vi Scott
  4. How to Be a Financial Grownup by Bobbi Rebell
  5. Kids Money Habits by Amy Koit
  6. Meet The Frugalwoods by Elizabeth Willard Thames
  7. Shoo, Jimmy Choo! by Catey Hill
  8. Smart Mom, Rich Mom by Kimberly Palmer
  9. The Broke and Beautiful Life by Stefanie O’Connell
  10. The Feminist Financial Handbook by Brynne Conroy
  11. The Money Queen’s Guide by Cary Carbonado
  12. The Year of Less by Cait Flanders
  13. Women With Money Jean Chatzky
  14. Work Optional by Tanja Hester (I wrote a review when it came out – check it out here)
  15. Your Money or Your Life by Vicki Robin
  16. 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. 

404 thoughts on “Meet The Women Of The Financial Independence Movement 

  1. Huzzah for this list! I’m glad to be included. Military Dollar had a great post a while back on why gender plays such a big part in how a blogger’s voice is heard. I fully believe there’s a big assumption that women play such a minor role in the PF space, but that’s clearly not true at all. I hope this post gets updated in the future, especially as more ladies join us 🙂

    1. Yeah, her post was seriously eye opening. I’ve been up front about being female from the get go, but the default assumption is definitely for a blogger to be male. And yes, I will continue to update this list as new (and new to me) women come on the scene.

    2. awwwww

      I’m just seeing this now. Thanks for the compliment! That post took a long to finish, as well as get the guts to post, because (given the current environment of what seems like everyone “needing” to be on extreme ends of the spectrum about gender topics) I expected to hear a lot of blow back when I discussed perceptions of women in this space. I’m very glad to report I heard no such feedback!

  2. Thanks for including me in your awesome list along with of some of the smartest and frugalest women on the whole planet 😉 we clearly can do anything we set our minds to!

    1. It’s so awesome how long this list has gotten – and of course I had to include you in it!

    1. Thank you! There are a lot of awesome blogs and podcasts on this list to keep you busy for a while 😉

  3. Oh my gosh 131 comments! Wow this list has become exponentially larger than I initially read it and I love the categorization! Thank you so much Angela and Erin for putting this together. It feels really nice to have our FI-male (pronounced FEMALE) voices heard 😉

    I think in the organization my blog name became Gen Y Finance, which is pretty awesome, I should have thought of that, but it’s 😉

  4. Great list of female personal finance bloggers!! And thanks for defining those acronyms! I’ve seen a few of them tossed around (mostly just DINK), but hadn’t heard of the other ones. I’d love to join your list! Possibly under the General Finance – SINK category? Although I do work as a software engineer in tech, I’m not white or male, so I’m kinda breaking the stereotype, right? 😛

  5. This is so wonderful! I love knowing that so many women are actively in the finance scene and we’re representing! Thanks for including me in your list! So honored to be among all of you awesome ladies!

  6. I’d love to be included, but I am stumped as to where I would fall – probably under General Finance by default, but reaching for Financial Independence has always been the driving force behind Poorer Than You… so maybe FIOR? Ack, this is tough!

    At least the secondary category is clear cut for me – I’d fall under DIK. Sort of 😉

      1. No worries, and thank you for adding me! Our situation is constantly shifting – but I promise not to ask you to move me to a different category more than like, once a year 😉 hahaha!

      2. Not a problem! I think we all move around with goals and life situations as time goes on 🙂

  7. Wow am I looking forward to looking at all of these blogs – exciting!

    I’d be so grateful if you could add me – I think I’m in the FIOR – DIK and also DIK – debt repayment categories 🙂 Thanks Angela!

    The Leveraged Mama –

  8. Just to raise my head about the parapet and say thanks for the inspiration – this post convinced me to get the blog I’ve pondering over for ages finally started. I have commited electronic pen to paper, and now here we are.

    1. I’m so glad to hear it! Let me know where on this list I should put you and I’ll add you 😊

  9. Such an incredible post! Really love that this topic is finally being talked about more. There are so many incredible women bloggers out there and it’s fantastic you put together this list. I have been following many on it for some time. Will be adding more to my list.

    1. Thank you for sharing this today! There really are some fantastic ladies out there. Quite enjoy your blog as well 🙂

  10. I enjoyed the list and will check out these blogs!
    I might have missed it, but I didn’t see one of my favorite blogs, “Millennial Revolution” listed and one of it’s two authors is the awesome blogger Kristy aka “Firecracker.”

    1. I kept this list to female bloggers or where the woman does 90%+ of the writing for the duo. I didn’t think Millennial Revolution fit that criteria – but if I’m wrong, I’ll be happy to add them!

    1. You let me know which category to put you in, and I’ll add you with the next update 😊

  11. Proud that my daughter made your list! Kudos to all of you women who want to have some control over your futures!!

      1. WOW. I just read that whole thread (and I’m still trying to figure out what the heck GBCN is/stands for), and that was a wild ride. Such internet drama. I guess they think The Feminist Financier, the person who shared this post in their forums, and Tread Lightly, Retire Early are all the same woman, *pretending* to be 3 different women… just because The Feminist Financier is included on this list and used to post on their forums (and I guess violated some of their rules). That’s some super high level paranoia.

      2. Yeah I have no idea, but thanks for the extra traffic to this post, I guess? 🤷‍♀️ The idea of trying to run 3 separate active blogs is just bonkers.

      1. Thanks! For some reason I thought she’d stopped blogging, but I see that isn’t the case.

  12. Awesome list! On one hand, fantastic to see so many women. On the other hand, a) how will ever have time to read even a fraction of these blogs?!?!? And b) it’s making me second guess my desire to start my own PF blog. Oh well, I may yet find my PF niche…

    (PS. Here via JD Roth/Get Rich Slowly.)

    1. I hear you on the too many awesome blogs, not enough time to read them all. But I don’t think there is any harm in another voice in finance space – especially a female one. If nothing else, there’s an absolutely fabulous community here! 🙂

      1. I shall not abandon my plans just yet then! And community makes all the difference. 🙂

      2. If you haven’t yet, join the Women In Finance Facebook group! It may convince you to start writing (and if not there’s a fabulous community growing there in general).

      3. I’d had a quick look, but wasn’t sure if it was for those already blogging, or included those (like me) who were ‘just’ interested. However, if it’s the latter, then I shall wander on over!

  13. I really like the Honest Money Conversations podcast with Cait Flanders (SINK) and Carrie S. Nicholson of Careful Cents…. just in case you are still adding to the list. I am truly amazed at how many blogs and podcasts there are by women!

      1. Do you want to be included under general finance or FIOR DIK then?

    1. Hadn’t heard of Careful Cents! Honest Money Conversations is already on there 🙂

  14. Hi! Thanks for asking. I’d like to be FIOR DIK. I was holding off to reply until I moved my web site over from WordPress to Namecheap, and if you don’t know what that means, I didn’t either until this week–and it took me a loooooooooooooong time to figure it out. I think you just updated this list, though, so I’m happy to wait until the next update, if you’re still willing to include me. I hope you have a good week! Jaye

  15. I can’t tell you how many times I’ve come to your list for reading materials and I didn’t think to check for myself. Fail. Would you please add me to the General Finance SINK for the time being.

    Thanks for pulling this together Angela! It is such a great resource.

  16. Thank you so much for putting this list together! As inspiring as it is read to about becoming FIRE, like you said it’s mostly guys on big paychecks. Was looking for something more relatable.

    1. Glad you found the list! Hopefully you found lots of awesome ladies to follow now 🙂

  17. Hi again! 🙂 This is an awesome list!! I have already started to explore it! I was wondering if I could be added in the next update? I write about frugality mostly from an environmental perspective and have the goal of financial independence with my significant other which I also write about. I’m not sure where I’d fit – so maybe FIOR DINK since we want the flexibility of FI rather than retiring early? 🙂

    1. I will add you there! And we are also very much about the flexibility and options that FI brings, regardless of the career side of things.

  18. put me in coach!
    FIRE – SINK!

    What a great list… i’d seen something similar on FAF for asian bloggers…but this is great! one of the reasons i started my bloggers. all the big names where white male STEM folks with families. personally i’d like to meet a SINK person in real life…even outside of personal finance ;)…i am literally the only one i know…

    1. The good news is, there are quite a few on this list! I’d highly recommend going to a meet up in your area. They’re great, and I bet you’ll find some ladies in similar positions 😉

    2. Hi from another SINK. Just to say there are plenty of us out there. I would say in the real world we gravitate towards more liberal cities in my experience, not sure where you are located?

  19. Wow! I started reading down the list and it just got longer and longer. Some I know and have followed for some time but so many now to go off and explore. Might need to take a couple of days leave to do that though!

    Being cheeky and more than happy to wait until you have time if you are still updating it, would love to be included in the list!

    We are in the FIRE category and currently DIK. Although youngest is 20 and at uni she still makes her presence felt financially on a weekly basis!

    1. Will add you with the next update! I’m convinced that kids count no matter how old they are, just to varying degrees financially 😉

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