Best 25 Reddit Personal Finance Threads You Must Know

Leo Migdal

-Dec 14, 2025, 10:23 AM

best 25 reddit personal finance threads you must know

Inside: r/personalfinance is full of popular subreddits with ideas on how to make money and save money or invest. Know best practices for Reddit personal finance and ways to learn from them. Reddit is a popular online community where people can share content, ask questions, and comment on news articles and topics. One of the most popular sections for personal finance discussions is /r/personalfinance. Here are some of the best posts from that section: Reddit has some great threads that cover personal finance topics.

This blog post will give you a list of the top 25 Reddit Personal Finance Threads, letting you know which ones to check out next time you want to learn more about personal finances. If you’ve ever spent any time on the Reddit personal finance threads, you’ve probably realized it can be a goldmine of information. How so? Because regular people ask questions on regular problems and the answers often come from people who’ve walked that journey before. Of course, it can be overwhelming because there's just so much information. And then there are the people who make jokes and other less amusing comments.

But take it from me; you can learn so much from fellow Redditors. Don’t believe me? We’ll take a look at some of the best Reddit financial advice below. But before we do, let’s do a quick Reddit 101. I know. One look at Reddit’s front page, and it looks like it was designed by coders for coders.

With phrases such as “r/,” upvotes, downvotes, threads, karma – a hot mess of random insider jargon. It’s hard to know what’s going on when you start. But don’t give up on it because the platform is incredibly powerful. It serves as an organized message board where communities of people with like-minded interests engage. 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. The Reddit personal finance subreddit can be an interesting place. Here are 7 threads I consider must-reads. If I ever go bald, know it’s because I tore my hair out every time I heard people say this.

While it is true that when you buy a home a portion of your monthly mortgage payment will be going to principal, and therefore you are paying yourself in some ways, however, the cost... Some of the lesser known costs include the lack of flexibility, stress, the risk of home price declines, home maintenance, real estate taxes, and HOA fees. These are also known as phantom costs — the expenses you don’t normally consider when you buy a house. OP also offers a great mental reframing of rent, saying, “As human beings, there are several things we need to survive, including food and shelter. Paying money for rent is no more a ‘waste’ of money than paying for food is.” 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. 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.

Discover the best personal finance communities on Reddit and actionable tips. Learn how to use Reddit discussions to improve your finances in 2025. Visit MoneyPhobia for expert advice! Reddit has quickly become an invaluable tool for those interested in personal finance. With thousands of discussions happening daily, Reddit hosts a wealth of user-generated content filled with actionable financial advice, tips, and success stories. Whether you’re interested in budgeting, debt repayment, or investing, Reddit offers a unique peer-to-peer platform where anyone can join the conversation.

In this guide, we’ll explore the best personal finance subreddits, highlight the top Reddit discussions on personal finance, and share practical insights to help you take charge of your finances in 2025. Let’s dive in! Reddit hosts a variety of communities (subreddits) that provide financial wisdom. Whether you’re a novice or seasoned expert, the following communities offer something for everyone: As the largest and most popular personal finance subreddit, r/personalfinance boasts over 15 million members. This subreddit covers a variety of financial topics, including budgeting, debt repayment, investing, and retirement planning.

If you’re looking for well-rounded personal finance advice, this is a must-follow community. 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. 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 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. 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.

Best 25 Reddit Personal Finance Threads You Must Know

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Inside: R/personalfinance Is Full Of Popular Subreddits With Ideas On

This Blog Post Will Give You A List Of The

But Take It From Me; You Can Learn So Much

With Phrases Such As “r/,” Upvotes, Downvotes, Threads, Karma –

One Of The Most Popular Topics Discussed On Financial Planning