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Top Financial Planning Reddit Threads You Should Follow In 2025

Leo Migdal
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top financial planning reddit threads you should follow in 2025

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. 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. 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. Here are 25 Best Investment Forums you should follow in 2025. Subscribe in one place on FeedSpot Reader. Forum https://www.bogleheads.org/forum/index.php + Follow Have a question about your personal investments? No matter how simple or complex, you can ask it here. Further, get all the investing advice inspired by Jack Bogle.

Facebook Followers 21.9KTwitter Followers 10.5K Since Feb 2012 View Recent Threads Forum https://forum.valuepickr.com/ + Follow A forum for discussions on Indian mid and small-cap companies. Topics of discussions include stock opportunities, stock analysis, investment learning, investment strategies, investing suggestions, and more.MORE View Recent Threads Forum https://www.reddit.com/r/investing/ + Follow This is a subreddit for news and discussion on Investments. Further, get advice, market insights, accurate trading signals, and more. Reddit help people discover places where they can be themselves.MORE Facebook Followers 2MTwitter Followers 1.1M Since Mar 2008 View Recent Threads

Forum https://www.reddit.com/r/personalfinance/ + Follow Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances! Facebook Followers 2MTwitter Followers 1.1M Since Feb 2009 View Recent Threads 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. 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.

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How So? Because Regular People Ask Questions On Regular Problems

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

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

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. 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 Red...