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10 Best Subreddits For Smart Money Conversations For 2025

Leo Migdal
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10 best subreddits for smart money conversations for 2025

Written by Diversification.com Editorial Team • Updated June 18, 20256 min read • This article was created using publicly available data at the time of publication. The list includes editorial opinions, is not investment advice, and there are no paid placements. Insight: Collectively, the top 10 finance-related subreddits reach over 30 million subscribers—making Reddit one of the most active spaces for peer-driven market commentary and money advice. Reddit offers a unique blend of anonymity, collective wisdom, and unfiltered discussion—especially valuable for investors navigating volatile markets or seeking real-world financial strategies. This list was compiled using subscriber count as the sole ranking factor. To generate this list, we analyzed subscriber counts of popular finance-related subreddits as of June 2025.

Only subreddits primarily focused on personal finance, investing, or market education were included. Subs centered on short-term speculation, meme stocks, or non-financial content were excluded. The final list is ranked from highest to lowest based on total subscriber count—reflecting where the largest finance-focused conversations are happening on Reddit today. Reddit’s best finance communities changed my financial life in unexpected ways. I started browsing Reddit for fun but soon came across groups that helped me maximize credit card rewards and find high-yield savings accounts with APYs above 4.00%. Money problems are the second leading cause of divorce, which shows why these online financial communities became so valuable to me.

r/personalfinance’s wealth of knowledge spans thousands of posts about budgeting and retirement planning, and I found that there was practical advice that worked. The community’s financial flowchart became my money roadmap. It helped me focus on building an emergency fund and paying off high-interest debt first. Other finance subreddits taught me valuable strategies, like Warren Buffet’s advice to invest in low-cost S&P 500 index funds to build long-term wealth. This piece will show you the Reddit communities that helped me earn and save actual money, and how you can benefit from them without getting misled by bad advice. My financial trip on Reddit started during a rough month when my credit card bill showed up with an unexpected car repair bill.

The banks and advisors gave me generic advice that seemed designed to sell products I didn’t need. I needed to hear from real people about their experiences. Reddit offered something different from polished financial websites and sponsored content – raw conversations from real people with similar money problems. The sort of thing I love about these finance subreddits was how people shared both wins and failures openly. Users talked about everything from getting lower interest rates to spotting hidden bank fees eating away at their accounts. I could stay anonymous on Reddit, which made a huge difference.

Users shared their exact salaries, debt numbers, and investment results – things most people wouldn’t bring up at dinner. This openness created a learning space you couldn’t find anywhere else. Want to learn about money management and develop skills to help you retire early with a “fat stash”? Have you tried Reddit? The internet’s most active community likes to share financial tips and real-life experiences as much as it likes discussing markets and economic trends. The following money and finance subreddits are a gold mine of financial advice.

These are our favorites, but scroll down to find more money and finance subreddits by category. Personal Finance will officially be older than some of its members in just a couple of years. This well of advice has been around since 2009 and counts an incredible 17.5 million people of all ages, educations, and social backgrounds. It is currently the 22nd-largest community on Reddit. Some of the hottest topics and flairs on PF include: Personal Finance also offers a wiki with financial advice for teenagers, young adults, older young adults (aged 25-35), and mid-career adults, as well as a catalog of helpful books and videos.

If you’re looking for thorough and specific advice on personal finance, you’ll probably find it here. Social media has become a major force in financial education and investment strategies, especially among younger generations. According to a 2023 survey commissioned by Forbes Advisor, 37% of young adults from the U.S. trust Reddit as their primary source of financial information. This makes it the most trusted social media platform for investment insights, ranking above platforms like YouTube (34%) and TikTok (14%). Other research has highlighted Reddit’s growing influence on investment decisions.

A study titled Democratization of Retail Trading: Can Reddit’s WallStreetBets Outperform Investment Bank Analysts? found that while not all recommendations on r/wallstreetbets (WSB) are profitable, its stock picks can compete with, and in some cases outperform, the largest investment banks. Another academic work, Beyond the Hashtags: Social Media Usage and Cryptocurrency Investment, revealed that Reddit’s feature of allowing long discussion threads has made its users among the most likely to invest in cryptocurrencies. With Reddit’s growing influence, joining the right investing subreddits can offer valuable insights into stock market trends, trading strategies, and long-term investment opportunities. Best for: Budgeting, retirement planning, and financial literacy. While not exclusively about investing, r/PersonalFinance covers essential financial topics such as savings strategies, retirement planning, and debt management, providing a strong foundation for anyone looking to invest wisely.

Best for: High-risk, high-reward trading and meme stocks. Known for its role in the GameStop short squeeze, r/WallStreetBets is a hub for speculative trades, options strategies, and meme-stock discussions. Investors with a high-risk tolerance will find both entertainment and potential opportunities here. Best for: Cryptocurrency enthusiasts and investors. With a focus on all things crypto, r/CryptoCurrency covers news, trends, and discussions on Bitcoin, Ethereum, and Altcoins. It’s the go-to community for staying updated on the evolving crypto market.

Top Financial Planning Reddit Threads You Should Follow in 2025-Staying ahead in personal finance requires continuous learning, and Financial Planning Reddit has become a go-to resource for individuals looking to enhance their financial knowledge. Whether you’re a beginner or an experienced investor, these top Reddit threads will provide valuable insights, advice, and strategies to help you navigate the ever-changing financial landscape in 2025. One of the most popular topics discussed on Financial Planning Reddit is budgeting. Threads such as “How to Create a Budget That Actually Works” and “Best Budgeting Apps for 2025” offer practical tips and success stories from users who have mastered personal finance. Discussions range from traditional budgeting methods like the envelope system to modern AI-driven budgeting tools. Users share their experiences, challenges, and solutions, making it easier for newcomers to find a budgeting approach that suits their lifestyle.

Managing and eliminating debt is a priority for many Reddit users, and Financial Planning Reddit is filled with discussions on effective repayment strategies. Threads like “How I Paid Off $50,000 in Two Years” and “Debt Snowball vs. Debt Avalanche: Which One Works Best?” provide valuable insights. Redditors discuss methods to reduce interest payments, negotiate with creditors, and find ways to increase income to accelerate debt repayment. The shared experiences and success stories inspire others to take control of their financial situations. Each subreddit has its own purpose, but in general, subreddits are a great place to go to post questions, tips, advice, and participate in discussions about the main topic.

If you're unfamiliar with reddit then you should know that reddit is considered the "front page of the internet." It's a gigantic forum with endless amounts of subreddits (or individual forums) that all cover... As with all subreddits, the following finance subreddits each have their own rules and guidelines to follow when posting and commenting on the forum. When joining any subreddits, it's always a good idea to go to their About Page and read up on the subreddit rules and guidelines. On r/finance, you can find both financial news and financial views. Here you can find useful question threads and useful finance articles. This is also a perfect subreddit if you don't want to read about personal finance, but finance in general.

This subreddit also attempts to steer clear of posts that have to do with topics related to finance, but that misses the mark, like careers. In the constantly evolving digital landscape, where opportunities to make money are at our fingertips, platforms like Reddit have emerged as treasure troves of information, connections, and community support. With its myriad of user-driven communities, or "subreddits," Reddit has become a go-to resource for individuals looking to supplement their income, start a side hustle, or even build a career out of gig work. As we dive into 2025, certain subreddits stand out as particularly valuable for anyone interested in making money, whether you’re a seasoned entrepreneur or just beginning your financial journey. Here are eleven of the best subreddits to explore for making money this year. If you’re serious about starting your own business or managing a side hustle, r/Entrepreneur is a must-visit subreddit.

This community is home to thousands of like-minded individuals who share advice, experiences, and resources. Users often discuss pertinent topics such as business strategies, marketing tactics, and financial advice tailored for new entrepreneurs. The community encourages collaboration, and many members share success stories that can act as inspiration for your ventures. In 2025, expect to see discussions around trending business ideas such as eco-friendly products, remote services, and digital marketing strategies for niche markets. The subreddit often features AMAs (Ask Me Anything) with successful entrepreneurs, allowing you to gain insights directly from those who have navigated the challenges you’re facing. For those looking to make extra cash on the side, r/SideHustle is a fantastic resource.

This subreddit is populated with individuals who share their experiences working on side projects, freelancing, or finding alternative income streams. Users exchange tips on finding gigs, managing time between a full-time job and side hustle, and balancing responsibilities. In 2025, expect an influx of conversations surrounding gig economy jobs, online marketplaces, and creative side projects that can be monetized. The community is active with threads featuring brainstorming sessions for potential side hustles, ensuring there’s always a fresh wave of ideas to consider. April 19, 2025 in Subreddits Leave a comment Talking about money can feel awkward or overwhelming sometimes, right?

Whether you’re trying to figure out how to save more, get out of debt, start investing, or just make a budget that actually works, it helps to know you’re not alone. Luckily, just like with relationships and careers, Reddit has a ton of communities where people openly discuss their finances, share tips, and ask for advice. If you’re looking to get a better handle on your money situation, these subreddits are great places to start learning and connect with others. r/personalfinance: This is the big one, the main hub for almost everything related to managing your money. People discuss budgeting techniques, paying off debt (like student loans or credit cards), saving for big goals (like a house), understanding retirement accounts (like 401ks or IRAs), dealing with taxes, and insurance questions. They have a fantastic “Prime Directive” flowchart and wiki section that guides you through financial steps based on your situation.

It’s a great starting point for almost any money question. (Subscribers: ~18.0 million) r/financialindependence: This subreddit is focused on the FIRE movement – “Financial Independence, Retire Early.” The core idea is saving and investing a large portion of your income so you can stop working much earlier... Discussions here revolve around aggressive saving strategies, investment approaches for long-term growth, cutting expenses, calculating your “FI number,” and the mindset needed to reach financial independence. It’s very goal-oriented and often involves detailed financial planning. (Subscribers: ~1.4 million)

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Written By Diversification.com Editorial Team • Updated June 18, 20256

Written by Diversification.com Editorial Team • Updated June 18, 20256 min read • This article was created using publicly available data at the time of publication. The list includes editorial opinions, is not investment advice, and there are no paid placements. Insight: Collectively, the top 10 finance-related subreddits reach over 30 million subscribers—making Reddit one of the most active space...

Only Subreddits Primarily Focused On Personal Finance, Investing, Or Market

Only subreddits primarily focused on personal finance, investing, or market education were included. Subs centered on short-term speculation, meme stocks, or non-financial content were excluded. The final list is ranked from highest to lowest based on total subscriber count—reflecting where the largest finance-focused conversations are happening on Reddit today. Reddit’s best finance communities c...

R/personalfinance’s Wealth Of Knowledge Spans Thousands Of Posts About Budgeting

r/personalfinance’s wealth of knowledge spans thousands of posts about budgeting and retirement planning, and I found that there was practical advice that worked. The community’s financial flowchart became my money roadmap. It helped me focus on building an emergency fund and paying off high-interest debt first. Other finance subreddits taught me valuable strategies, like Warren Buffet’s advice to...

The Banks And Advisors Gave Me Generic Advice That Seemed

The banks and advisors gave me generic advice that seemed designed to sell products I didn’t need. I needed to hear from real people about their experiences. Reddit offered something different from polished financial websites and sponsored content – raw conversations from real people with similar money problems. The sort of thing I love about these finance subreddits was how people shared both win...

Users Shared Their Exact Salaries, Debt Numbers, And Investment Results

Users shared their exact salaries, debt numbers, and investment results – things most people wouldn’t bring up at dinner. This openness created a learning space you couldn’t find anywhere else. Want to learn about money management and develop skills to help you retire early with a “fat stash”? Have you tried Reddit? The internet’s most active community likes to share financial tips and real-life e...