Reddit Personal Finance: The 10 Best Personal Finance Threads

Steve Cummings

reddit personal finance

If you're not already using Reddit to get insights into the world of personal finance, you're missing out. Reddit Personal Finance is one of the most popular destinations for sharing, discussing, and asking questions about personal finance issues. 

This blog post will give you a brief introduction to the Reddit platform and teach you how to use it like a pro to find trending personal finance tips. 

How to Navigate Reddit Personal Finance 

If you're not familiar with Reddit, it may seem daunting. There's a lot of text, links, and even specialized jargon that can seem alienating. But don't worry; here are the basics to help you get started: 

Reddit Common Lingo

Reddit is full of jargon and terminology that you may not be familiar with. It can be a daunting task to examine and wrap your head around fully. Here are a few different phrases that can help you on your way. 

  • Subreddits: Subreddits are channels that focus on a specific topic. It is a more specified channel. For instance, r/PersonalFinance, and r/Budgeting are examples of subreddits.
  • Upvote/downvote: Readers have the chance to rank certain content with an upvote or a downvote. 
  • Karma: To help content creators, Reddit has devised a point system or “Karma” to help get more of the popular content out there. The points are given based on upvotes. 
  • OP: Original Poster
  • TL;DR: Too Long; Didn’t Read. Some posts can be a bit long. Other posters may give a short 1-2 sentences summary and write TL;DR to help out the other readers. 

Reddit comes with learning and patience as you can get the hang of the forum style. Here are some other things about Reddit to help you along your new journey. 

Reddit is Unlike Other Social Media 

In short, the purpose of Reddit is not for mindless scrolling. Instead, most users come to Reddit to read, learn, and debate important topics across various categories. In addition, Redditors aggregate content they find across the internet or share content they've created themselves. 

Since Reddit is a place where knowledge is regularly shared and discussed, the platform is excellent for people looking to expand their understanding of personal finance. To get started with Reddit Personal Finance, you have to create a free account. 

Subscribing to Subreddits

Once you create an account, you'll be prompted to share your interests and start subscribing to subreddits. As you complete your sign-up profile, just let Reddit know that you're interested in personal finance, and Personal Finance subreddits will appear. 

A subreddit is a forum on Reddit devoted to a specific topic, and many have unique community guidelines about the kind of content. So whether you're looking for investment trends or beginner's advice on financial planning, there's a subreddit for you. 

There are tens of thousands of them, each with its dedicated community of followers. In addition, there are dozens of subreddits dedicated to growing personal wealth. 

To subscribe to a subreddit, click on the “subscribe” button on the right-hand side of the page. Once you're subscribed, you'll see the latest posts from that subreddit in your feed. You can also browse the archives of any subreddit by clicking on the “archives” button.

Explore Community Engagement

Although anyone can post on Reddit, the most valuable and reliable content can easily be distinguished by checking the number of upvotes and skimming through feedback in the comments section. This is especially useful for Reddit Personal Finance, as much of the advice you see will be vetted by fellow Reddit users. 

The most popular posts with the highest upvotes are easy to find, as they're pushed to the top of the page for your convenience. 

Read the subreddit's rules before posting, as some subreddits have specific guidelines. To comment on a post or submit your own, click on the “comments” button. You can then type your message and hit “submit.”

Reddit's Unique User Base 

While it may seem questionable to trust financial advice from strangers on a social platform, Reddit differs from other social media platforms more crucially. The 48 million monthly member base is nearly 80% college-educated, 35+ years old, and often includes conversation threads with industry leaders and celebrities participation. 

So as you start to explore Reddit Personal Finance threads, keep in mind that most content comes from people with a decent level of foundational knowledge. 

Best Personal Finance SubReddit Threads 

Now that you've got the basics of navigating Reddit look at the most useful Reddit Personal Finance threads you need to follow. 

Big Personal Finance Threads

Some of the best Reddit personal finance threads revolve around subjects such as:

  • Budgeting
  • Buying Cars
  • Negotiating Salaries
  • Teaching Kids About Finances
  • Always check your statements

These Reddit personal finance threads are some of the most prominent topics. If you are looking for information from some of the Reddit forums people, these topics are talked about extensively. 

Here are some of the best subthreads on Reddit personal finance. 

r/Personal Finance

Just over 15 million members strong, the Reddit Personal Finance subreddit is filled with general knowledge about budgeting to estate planning. You'll find rotating 30-Day challenges to help you manage your finances, like this month's “Prepare Your Tax Return Accurately and Early” challenge. 

You can also glean wisdom from the Weekday Help and Victory thread, which exists solely to answer questions from new users. 

r/ Financial Independence

If you've ever wondered how to live your life and not work for money, this is the subreddit thread. With 1 million members, this Reddit Personal Finance community is filled with people who have either successfully quit their jobs or strive to maximize their savings. 

Post milestones about your journey, pose specific questions to learn how to achieve financial independence and see real-world examples of how people are changing their lifestyles to eliminate the need for work sooner. 

These people are becoming wealthy through investing and have a high enough net worth to leave their full-time job and live the life they would like to live. There are many stories of individuals saving more money and investing to not live as enslaved people to work their whole lives. 

Take a look and learn a little bit more about this community. 

r/ Financial Planning

Here, you'll find a community dedicated to budgeting, frugality, and investments. Threads in this subreddit read along the lines of “Help! I'm drowning in student debt! “to” Is my IRA portfolio diverse enough?” With users spanning so many different financial life situations, there is always some helpful nugget of information. 

r/ Budget

The budget thread is a small but mighty community dedicated to sharing techniques, ideas, and programs to help users stick to a budget. This Reddit, Personal Finance community will teach you which apps can help manage your spending and share tricks to eliminate unnecessary spending. 

They will help you with templates and other resources to create a budget or even a spending plan to help you save more money.

r/ Frugal

While the thread title says it all, you never quite know what you'll get when you check out the Frugal subreddit thread. From tips on how to savor every last drop of jam that comes in the jar to suggestions for navigating rising gas prices, there are hundreds of sensible advice to help users keep more money in their wallets. 


FI/RE is short for Financial Independence / Retiring Early and represents a money movement that has swept the nation. With advice on maximizing income and minimizing spending habits, this Reddit Personal Finance community is a hotspot for users interested in the financial freedom discussion. 

r/ Tax

With tax season in full swing, users can post questions about their W-2s, cryptocurrency, stimulus checks, unemployment benefits, income tax, and other miscellaneous tax-related questions. Many tax experts are ready and willing to respond to user queries.  

r/ investing

Despite the cheeky tagline “Lose money with friends!” this subreddit thread offers insights into current events, trading tips, and stock market trends. With helpful online resources like “A Guide to Stock Research” and links to investment websites, blogs, and podcasts, this is an excellent resource for newbies and seasoned investors. 

One of the best things about this thread is that it will help you start investing. It can help with stocks, real estate, and any other investment vehicle.

r/ realestateinvesting

Over one million members gather in this thread to discuss their thoughts, experiences, and advice around investing in real estate properties. If you've ever wondered about structured deals, flipping, wholesaling, or lending, this Reddit Personal Finance subreddit has you covered. 

r/ bogleheads

You might not know who Jack Bogle is yet, but that's okay – the Bogleheads thread is here to teach users everything there is to know about diversifying investments and compounding wealth. 

The Bogleheads thread is a great place to learn about index investing, the 3-Fund portfolio, and certain ETFs and Mutual Funds to take a look at. 

You will learn how different index funds to function, like the differences between VTSAX vs FZROX and many others. Finding this thread has helped many people learn to make their finances much more straightforward. 

Final Thoughts:

Financial habits are built step by step. It takes good financial habits and a change in mindset to create a life you want to live in. Through Reddit Personal Finance you will find many opportunities to become more financially literate through financial books, experts, content creators, and a wealth of information at the tips of your fingers. 

It is a time to learn how to make money, save money, and create large retirement accounts for your long-term goals. Your financial future is not set yet, but you can learn about compounding interest, paying off student loan debt and credit card debt, and saving for retirement through diligence. 

Reddit personal finance is a space to learn, collaborate, and teach. Take some time to embrace the forum and learn as much as possible. It is a great tool to help you in your future. 

Leave a Comment