The right voice at the right time can flip your whole relationship with money.
Financial advice isn’t one-size-fits-all. What works for a corporate executive won’t always click with a gig worker, and the old-school “stop buying coffee” lecture feels tired at best. The real breakthroughs happen when someone speaks to your exact situation with clarity, honesty, and a strategy that actually makes sense for the life you’re living right now. That’s what makes a great financial voice so powerful—it doesn’t just inform, it transforms how you think about money.
These 11 financial gurus aren’t just throwing out tips for likes. They’re offering mindset shifts, practical frameworks, and real talk for people ready to build something better in 2025. Whether you’re crawling out of debt, curious about investing, or ready to rethink how money fits into your happiness, these experts deliver the kind of insight that sticks.
1. Ramit Sethi teaches you how to spend guilt-free while building long-term wealth.
Ramit Sethi’s no-nonsense style and sharp frameworks make him a standout in the finance world, according to Sam Silverman at Entrepreneur. He doesn’t tell you to give up lattes or live on rice and beans. Instead, he focuses on “conscious spending”—spending extravagantly on the things you love, and ruthlessly cutting the rest. His approach is about building a rich life that actually feels rich, not just one that looks good on a spreadsheet.
In 2025, Ramit continues to show up through his Netflix series, podcast, newsletter, and classic book I Will Teach You to Be Rich. His advice goes beyond budgeting—it’s about mindset, systems, and negotiating your salary like a boss. He’s especially helpful if you’ve been stuck in shame or confusion around money and need someone to help you reset with clarity and humor.
2. Tori Dunlap empowers women to take control of their financial futures.
Founder of Her First $100K, Tori Dunlap has built a movement around helping women—especially millennials and Gen Z—gain financial independence, as reported by Tori Dunlap at Business Insider. Her tone is friendly but fierce, and she breaks down complicated financial concepts in a way that feels both doable and empowering. Her content covers everything from debt payoff and investing to financial feminism and toxic workplace culture.
In 2025, Tori’s platform is still growing, and her reach is bigger than ever. She offers workshops, courses, and a must-listen podcast called Financial Feminist. What sets her apart is her clear stance: personal finance is political, and closing the wealth gap starts with education and unapologetic money moves. She’s the go-to voice if you want to unlearn scarcity and lean into confidence.
3. Anthony ONeal teaches young adults how to break generational cycles of debt.
Anthony ONeal brings passion, practicality, and a deep sense of purpose to everything he teaches, as stated by the authors at The Teen Mentor. He speaks especially to students, early-career adults, and communities of color, helping them navigate financial pitfalls with honesty and faith-based grounding. His message centers on intentionality—building wealth without sacrificing your values or your peace.
In 2025, Anthony’s platform continues to expand through The Table with AO podcast, online courses, and live events. He offers a clear path to financial freedom by focusing on debt-free living, side hustles, and homeownership—especially for those who grew up without a financial blueprint. His advice isn’t flashy. It’s real, heartfelt, and rooted in his own journey of overcoming massive student debt.
4. Berna Anat makes financial literacy hilarious, inclusive, and wildly practical.
Known online as Hey Berna, Berna Anat brings humor, storytelling, and zero shame to conversations about money. She speaks to first-gen Americans, people of color, and anyone who’s felt left out of traditional finance spaces. Her style is refreshingly real, and she explains personal finance in a way that feels like talking to your funniest, smartest friend.
In 2025, her reach continues to grow with her book Money Out Loud, live workshops, and social media content that somehow makes budgeting feel like a group dance party. She’s especially helpful for those who’ve felt intimidated or excluded by financial jargon. Berna will teach you how to track your spending, build your budget, and laugh your way into clarity.
5. Paula Pant helps you prioritize freedom over stuff.
Paula Pant’s mantra—“you can afford anything, but not everything”—is a cornerstone of financial independence thinking. Through her podcast Afford Anything, she explores not just the mechanics of money but the philosophy behind how we spend time, energy, and focus. Her approach is strategic, thoughtful, and ideal for big-picture thinkers.
By 2025, Paula continues to be a favorite among those pursuing early retirement, passive income, or just more control over their time. She’s especially good at explaining real estate investing, lifestyle design, and decision-making frameworks. If you’re craving depth and want to zoom out from the paycheck-to-paycheck mindset, Paula’s your person.
6. Julien and Kiersten Saunders challenge the myths of wealth and work.
Julien and Kiersten, the couple behind Rich & Regular and the book Cashing Out, are redefining what financial freedom looks like—especially for Black professionals navigating burnout, ambition, and generational wealth. Their advice goes deep, connecting money to identity, relationships, and purpose.
In 2025, their YouTube series, blog, and interviews continue to offer raw, smart, and necessary conversations. They talk openly about leaving corporate life, creating intentional wealth, and making exits that feel good. If you’re tired of hustle culture and looking to live more deliberately—with money as the tool, not the goal—they’ve got the blueprint.
7. Chelsea Fagan helps you build wealth without pretending to be perfect.
As the founder of The Financial Diet, Chelsea Fagan delivers smart, sharp, and self-aware money advice for people who want to get better with money but don’t want to turn into finance robots. Her approach is especially appealing to women who want practical guidance without condescension.
In 2025, TFD continues to produce strong video content, personal essays, and financial planning tools that balance ambition with reality. Chelsea isn’t afraid to talk about financial therapy, bad spending habits, or emotional burnout. She’s for people who want to improve their money habits without pretending they’ve got it all figured out already.
8. Morgan Housel teaches you why behavior matters more than math.
Morgan Housel’s book The Psychology of Money became a quiet phenomenon for a reason. Instead of focusing on how to make money, he talks about how people think about it—and how emotions, ego, and fear drive financial decisions more than numbers ever do. His writing is elegant, sharp, and hauntingly relatable.
In 2025, Morgan continues to influence through essays, talks, and investing commentary. His insights resonate with people at every income level. If you’ve been doing all the “right” things but still feel stuck or confused, Morgan’s work helps you understand your own patterns and build a healthier, more grounded relationship with wealth.
9. Vivian Tu makes investing accessible for people who don’t want to get overwhelmed.
Vivian Tu—aka “Your Rich BFF”—uses her background in Wall Street and her natural gift for teaching to demystify investing, saving, and credit. Her tone is bold, informative, and super engaging, especially on platforms like TikTok and Instagram where she’s built a huge following.
In 2025, her influence only grows as she expands into longer-form content and branded partnerships. She’s especially great at explaining things like Roth IRAs, index funds, and credit hacks in a way that actually makes sense for beginners. If you want to get smarter with your money but don’t know where to start, Vivian gives you the basics—with style.
10. Tiffany “The Budgetnista” Aliche builds financial foundations that last.
Tiffany Aliche doesn’t just give advice—she gives tools. Her book Get Good with Money and her financial education platform, Live Richer Academy, are designed to help you build sustainable, step-by-step financial systems. Her tone is kind, no-BS, and especially welcoming for women who’ve been left out of financial conversations.
In 2025, she continues to focus on financial wellness, education, and empowerment at scale. Tiffany’s approach is ideal for people who want a plan they can actually follow—without being judged. She’s not here to shame your past. She’s here to help you build a stronger future, one habit at a time.
11. Robert Farrington helps millennials and Gen Z crush student debt and grow wealth.
As the founder of The College Investor, Robert Farrington is a go-to voice for younger people dealing with student loans and trying to start building wealth early. His content blends practical strategies with solid investing education, especially for side hustlers, freelancers, and digital natives.
In 2025, he’s still one of the best resources for figuring out how to repay debt efficiently, choose smart retirement accounts, and maximize your early investing years. If your financial story includes student loans and uncertainty, Robert helps you cut through the noise and make confident, long-term decisions. His advice is clear, actionable, and always grounded in reality.