In today’s day and age, it’s more important than ever to learn about money. Society is much more complex than it once was and there are all sorts of topics like debt, credit, investing, and saving that many people struggle with.
However, with all its importance, personal finance doesn’t get nearly enough attention. Many “personal finance gurus” will say they can help you make money, but are really just trying to sell you a course. On the other hand, a lot of your peers probably know just as much about personal finance as you do.
How can you learn more about personal finance? One place to turn to is Reddit personal finance threads and subreddits. Reddit is by far one of the best community-based platforms and one of the most extensive online places to learn. You can go on for anything ranging from reviews of an app, to new game releases, or even start your own niche community.
What this means is that Reddit is also a treasure trove for personal finance knowledge. Not sure which personal finance subreddit is best? Not to worry! In today’s post, we will be listing 8 Reddit personal finance threads that are embodiments of true personal finance topics. Spend enough time on these threads and you’re sure to grow your money knowledge!
Before we dive in, please take note that you don’t need to actually have Reddit downloaded on your phone to access these threads. You can visit them via Reddit’s website! If you want to access any of the threads below, just hop onto Reddit, search them up, and join (or request to join) the thread.
Personal Finance (r/personalfinance)
As one of the largest personal finance communities on Reddit, r/personalfinance is a goldmine of personal finance resources and the golden template by which almost every other personal finance community aspires to.
r/personalfinance is exactly what it sounds like: a mega-thread full of all things personal finance related! In r/PersonalFinance, you’re likely to one main thing: stories of people who are asking for personal finance help.
People often have some sort of money struggle they’re going through and they go to r/personalfinance to ask for advice. Others often answer helpfully and provide useful personal finance information. This is great whether you’re in a similar situation or not as there’s always something to learn.
- Founded in 2009
- 15 million members
- Very well regulated (generally no spammers)
Financial Planning (r/financialplanning)
As the famous quote goes: people don’t plan to fail, they just fail to plan. Though this is an extremely generic quote, the sentiment applies to finances just as well.
As the younger sibling of r/personalfinance, r/financialplanning is one of the best reddit personal finance locations to help you plan out your financial future.
Here you’ll find tons of useful threads related to topics like budgeting, income, retirement planning, the internal revenue service, and more.
- Founded in 2009
- 280k members
- Lots of engagement across various different financial topics in this subreddit
Financial Independence / Retire Early (r/financialindependence)
Becoming financially independent is at the crux of most people’s personal finance goals. This is a subreddit that can help you achieve it!
If you’ve ever thought about escaping your 9-5 or retiring early, then this is the thread for you. In Reddit financial independence you’ll mostly find:
- People sharing their milestones toward financial independence
- People asking for advice relating to how to achieve financial independence
- Life afterpeople become financially free as told by those who have already achieved it
r/financialindependence is super inspiring and motivating. If you’re looking to get a kick in the butt in the right financial direction, this is the place to go.
- Founded in 2011
- 862k members
- Seems like lots of wealthy people are on the thread
Personal Finance Tools (r/PFtools)
A lot of people make financial decisions based on their gut, but you don’t have to anymore with the rise in popularity of personal finance tools. Usually created by a financial technology company, these tools can assist you in your decision making process when it comes to money matters. It’s always a good idea to get a second opinion when you’re dealing with something as important as your money.
In Reddit’s Personal Finance Tools, you will find lots of smart people who have built fancy trackers and budgeters and spreadsheets that will help you with your personal finances. This thread aims to make tracking money that much easier by utilizing automation and pre-made tools.
Mostly you’ll find this type of content on PFtools:
- Tools already created which people want to share
- People requesting for a specific tool to be made
- Questions about whether any tool exists for a specific function
If you’re really into tracking your progress, or automating your finances, you’re going to love this thread!
- Founded in 2015
- 7.6k members
- A LOT of tools (sometimes too many to navigate)
If you make a million dollars a year, you probably don’t need frugality to achieve financial freedom. But for the rest of us, this thread is a true time and money saver. In r/Frugal you’ll find everything from tips on how to save on food, to clever ways that people are repurposing their home appliances.
Mostly you’ll run into:
- Questions about how to cut down on costs
- Comparisons of the cost of different companies / services
- People showing off their creative frugality
While r/financialindependence gives you the motivation to achieve freedom, r/Frugal gives you practical money-saving tips that you can put into action.
- Founded in 2008
- 1.7 million members
- Tons of creative findings you never knew existed
Spending, earning, saving, and budgeting are all important aspects of personal finance, but true wealth is built through investing.
This thread is for people who are interested in the stock market, bitcoin, or anything investing related. Honestly, this one might be my favourite out of all the threads just because of its gentle mix of actual/meme content.
You’ll find some people talking about market analysis and others talking about dogecoin. It’s a great place for investors of all calibers to go, have some fun, and learn a lot too.
- Founded in 2008
- 1.7 million members
- Lots of fun
Student Loans (r/StudentLoans)
Attending post-secondary can be expensive. Especially if you have to take out a student loan to do so. r/StudentLoans is dedicated to helping you figure out how much student loan debt you have, and also provides you with tips to pay off your loan.
In this thread you’ll find:
- People asking for student loan advice
- Milestones of people who are trying to pay off their loans
- General student personal finance stories
- Founded in 2010
- 100k members
- Goes beyond just student loans to cover a lot of other student finance questions
Credit Cards (r/CreditCards)
Last but not least we have r/CreditCards. Despite seeming like a simple topic, credit cards are one of the biggest destroyers of personal finance. Credit card debt has some of the highest interest rates out of all debt types, and if you don’t know how to use a credit card responsibly, it will be very hard to build your financial future.
This thread will cover everything from credit card comparisons to credit score checking to general credit card tips. It is highly recommended for people who are new to the world of credit cards, or are just fearful of using theirs to make purchases.
- Founded in 2008
- 299k members
- A lot of comparisons between various credit cards
Passive Income (r/Passive_Income)
Generally speaking, there are two main types of income that you can earn: active and passive. The money that you receive from a 9-5 job is known as active income, and is the type that most people are familiar with. However, it’s hard for you to gain financial freedom just on active income alone, because as soon as you stop working, the money stops coming in.
Passive income, on the other hand, is money that is made whether you attend to it or not. This is the kind of money that will free you from your financial shackles and help you retire faster. Passive income can provide you with time, money, convenience, and a whole lot of happiness if you earn it the right way.
r/Passive_Income is a passive income Reddit space that is dedicated to providing you with passive income ideas and sharing stories of people who made real-life financial change by building passive income streams. From commercial real estate investing to blogging, you’ll find some of the best ways to build passive income on this subreddit.
- Founded in 2012
- 215k members
- Mostly passive income ideas and ways to acquire passive income in today’s society.
Recap: Reddit Personal Finance
Nowadays, it’s more important than ever to get good personal finance advice. Budgeting, saving, getting out of debt, and achieving financial freedom are all important aspects of life that don’t get mentioned nearly enough in formal education.
Believe it or not, one great place to get some personal finance tips is Reddit! This post has covered some of the best personal finance subreddits to help inform your real-life financial decisions.
As a quick recap, they are:
- Personal Finance (r/personalfinance)
- Financial Independence/Retire Early (r/financialindependence)
- Personal Finance Tools (r/PFtools)
- Frugal (r/Frugal)
- Investing (r/Investing)
- Student Loans (r/StudentLoans)
- Credit Cards (r/CreditCards)
- Passive Income (r/Passive_Income)
So there you have it. 8 Reddit threads that are sure to skyrocket your money knowledge and help you become financially independent. Whether you’re trying to learn financial basics or get rid of your student loans, you’re sure to find find a thread on this list that can help. And if you can’t find a thread to fulfill your needs, you can always start a new thread and build your own community on Reddit!
Jeff is a Harvard 2025 student passionate about making smart financial decisions both in school and in the workplace so that he can spend more time doing what he loves (like playing golf, spending time with family, and travelling). He has experience working in the financial industry and enjoys sharing all things personal finance, academic, and golf-related. Outside of blogging, he loves to cook, read, and golf in his spare time.