5 Influencers That Make Women's Financial Literacy Unbelievably Easy

So, you want to learn how to invest?

Don’t know what to do with your first paycheck?

Becoming financially literate may feel like a special club that you can’t enter, but it doesn’t need to be. Here are 5 microinfluencers you can follow to decode women’s financial literacy and achieve your financial goals.

Why does this matter?

Let’s take a look at the research surrounding women’s financial literacy. Conversations around finances have historically excluded women. This has prevented women from taking full control of their finances. 

Bank of America reported that only 28% of women felt empowered to take action about their finances. They also found that around half of the women asked weren’t confident managing investments. 44% of women wish they had started saving and investing earlier. A key regret is wishing they hadn’t taken on so much credit card debt.

Confidence is the top emotion men feel while managing household finances, while women feel stress, New York Life found. But 8 out of 10 women wish they knew more about financial topics. Women are increasingly becoming interested in building wealth, saving for emergencies, and managing debt. 

Bankrate stated that a lower level of women's financial literacy may result in a risk of excessive debt or not having adequate savings. It may also be associated with worse mental health outcomes.

It’s not all negative, though. Young women are more open than ever to having financial conversations. Young women are discussing raises, investments, and savings at higher rates than ever. Social media can spark conversations and interest in financial literacy.

Let’s look at 5 creators who are making women’s financial literacy easy to understand. 

Influencer #1 : Tipsywealth

For our Canadian girlies, Tipsywealth is the perfect creator to follow. She makes women’s financial literacy simple with her budgeting and Canadian-specific investment account content. 

Don’t know what an FHSA, TFSA, or RRSP is? Tipsywealth’s simple explanations answer any lingering questions, allowing you to focus on investing and working towards your first house. 

Her candid approach to what she doesn’t spend her money on and her past mistakes make her relatable to other women. She’s still travelling and planning her wedding, all while being financially conscious. 

Tipsywealth’s weekly money newsletter is a great way to start building your financial literacy, at no cost. 

Her best tip? Investing is the way to build long-term wealth. She encourages women not to be scared of investing. Keeping everything in cash was keeping her from achieving her goals. 

Influencer #2 : Liannebudgets

Liannebudgets focuses on budgeting for your income, with her aptly titled Budget Your Income series. Her videos provide a realistic look into how to budget on a lower salary with debt. Budgeting is one aspect of women’s financial literacy, and Lianne makes it easy to do for any pay grade.

Lianne uses zero-based budgeting, where you assign your income to a task, such as savings or groceries. It allows a deep understanding of what spending is essential.

For those trying to level up their financial literacy, knowing where your money needs to go versus where it is actually going may shock you. Coffees and small purchases can quickly add up!

Her best tip? Know where all your money is going. You can’t save if you don’t even know what you're spending money on. The first step in achieving financial literacy is understanding your own spending habits. 

Influencer #3 : Smobyday

Smobyday is a lifestyle, tech, and finance influencer on TikTok. She’s a full-time engineer and content creator. Her series, not a finance bro, makes women’s financial literacy super easy to understand and is super humorous.

As a female engineer, she works a full-time job, making her a relatable influencer for working girls. 

She may compare an ETF to travel-sized sets and a stock to splurging on a single product, or a Roth IRA to a Birkin bag that appreciates over time. Her analogies make sense for women. This makes it easy for women to understand what financial terms actually mean, without relying on finance bros for advice. 

There’s no shame in not knowing these terms, and Smobyday relates it to something many women do feel confident in. 

Her best tip? Confidence comes from participation, not perfection. She believes that financial confidence comes from not avoiding reality. Small steps are ones in the right direction towards long-term financial literacy (and wealth).

Influencer #4 : Andrea.aracelii

Andrea Aracelii is a first-generation Latina teaching other women how to build generational wealth. She has had to learn about various financial accounts on her own, and now she teaches other women how to build financial freedom. 

She explains how to open a high-yield savings account and a brokerage account and how to automate all your investments. Her ultimate goal is retiring by 40, and she’s showing how her investments are helping her achieve it. Her guides are easy to follow, showing that anyone can understand finances.

Andrea’s perspective as a first-gen Latina is often missing from the financial literacy conversation. She’s had to learn and experiment with building wealth, and is now helping her parents do the same. 

She offers a free guide to building wealth, along with a paid budget planner and coaching sessions.

Her best tip? Perform a financial audit on your life and set concrete goals. You might still feel broke even with a good salary if you have no goals and no idea of your current financial status. It’s like a good closet clean-out, bringing out hidden pieces for more use.

Influencer #5 : Ornella

Ornella is the founder of a financial planning company, The Fortune Foundry. She has paid coaching for individuals and small businesses, and also offers free templates, videos, and events. Her TikTok is a wealth of information for living a financially stable life. 

For those with partners, Ornella discusses how to talk about money with your spouse and how to budget as a couple. She answers a ton of financial questions, such as the best investment apps or how to improve a credit score.

Her conversational approach is refreshing, and it feels like you’re having a convo with your bestie.

She’s super candid about previously being in debt and increasing her income to overcome that. Ornella is truly the best person to learn women’s financial literacy from, as she has turned her life around and is now financially stable. 

Her best tip? Boost your credit score. The best way to do so is to make payments on time. Set your credit card bill to autopay to never miss a payment. 

So What’s Next?

Financial literacy doesn't have to be complicated. The more you are exposed to conversations around money, the more comfortable you’ll be taking control of your own finances. 

These 5 microinfluencers truly are changing the conversation around women’s financial literacy. Don't be afraid of your finances. Give these five women a watch (and a follow!) and start becoming financially literate.

Here are some tips to start implementing now:

1. Start investing. 
2. Take accountability for your money by budgeting and tracking expenses. 
3. Leave shame at the door and keep learning. 
4. Automate everything (payments, investments, and even alerts to check accounts). 
5. Set concrete goals (like saving $100 a month or wanting to buy a new bag).

✍️ Written by Catherine Steel