Top 10 Personal Finance Articles of the Month — January 2023

It’s time again for one of my favorite features here on Dyer News: a look at the top 10 personal finance articles of the month. To kick the year off, we’ll talk about building wealth. Then, we’ll take a look a pair of posts all about failing. Finally, we’ll cover building a budget, travel hacking, and more.

As usual, this month’s list includes a couple of Dyer News Top 10 mainstays as well as a few first-timers. Without further ado, below is my list of the top 10 personal finance articles published in January of 2023, along with their title, author, and the site they originally appeared on.

Building Wealth

Why Saving The First $100K Is The HardestTime Value Millionaire

When you first start attempting to build wealth, making it six or even seven figures can certainly seem like a daunting task. However, that’s partially because reaching the $100,000 milestone is the hardest of all. Why is that? This post from Time Value Millionaire walks through the math and more.

Top 5 Ways to Start on the Path to Financial Independence — Physician on FIRE

In recent years, the FIRE movement has grown as more and more people pursue financial independence. But where should they start? Physician on FIRE looks to set folks on the path to FI with these five useful first steps.

How Much Income Do You Need to Be Rich? — Nick Maggiulli, Of Dollars and Data

Have you ever wondered what it really means to be “rich?” Although the term can be subjective, there may be a few definitions we can use to pin down a figure. In fact, that’s exactly what Nick attempts to do in this article (while also admitting that it’s not always about the numbers).

Learning to Fail

Failing at Early Retirement Go Curry Cracker

For those who elect to retire early, going back to work can feel like a major failure. However, it doesn’t have to be that way at all. As Go Curry Cracker shares, gaining a part-time job in early retirement can have some benefits… as well as a few drawbacks.

Why I’m Fine with Failing a No Spend Month She Picks Up Pennies

One popular way that many savvy individuals look to save money is with what are called “no spend months.” Naturally, these are even more common at the start of the year when resolutions are fresh. Of course, they don’t always go as planned either. For this post, She Picks Up Pennies recalls her recent botched no spend month and shares what she learned from it.

Personal Finance Tips

How To Build A Successful Budget On Your Terms — How Much is That in Tacos?

No matter how many times you hear about the importance of having a budget, actually building one doesn’t get much easier. That said, it’s possible that you just haven’t found the right approach for you. So, to hopefully help with that, this article from How Much is That in Tacos looks at how to build a budget on your own terms.

How I Travel Hack: A Step-By-Step Guide To How I Saved $100,000 On FlightsA Purple Life

Thanks to credit card rewards, loyalty points, and frequent flier miles, these days, there are many consumers who are traveling the world without paying for it. This strategy is often known as travel hacking. So how does it work? Purple offers a step-by-step guide that comes from personal experience.

The Hidden Cost of EverythingSteve Adcock

One of the biggest complaints from consumers revolves around hidden costs. After all, who enjoys being surprised by unexpected fees or expenses? Well, on that note, Steve has some bad news for all of us as he explains that there are types of hidden costs in everything.

I Don’t Want to Work Anymore: 15 Realistic Solutions When You Face That DreadFive Year FIRE Escape

As workers headed back to their jobs after the back-to-back holidays in December, there’s a good chance that at least some of them realized that they don’t really want to be doing what they’re doing anymore. So what do they do then? Five Year FIRE Escape highlights some possible solutions that could help you move away from your current job.

2023 Money Goals Finance Rox

Lastly, with 2023 still in its infancy, many of us are still planning out our goals for the year. This is especially true for those who may have recently seen some big changes in their lives. That’s the case with Roxanne, who shares a number of her personal money goals as a newly-minted digital nomad.

Thanks for checking out my top 10 personal finance articles published last month and congratulations to all of the bloggers who made the list. To find more of these great articles on a daily basis, be sure to follow me on Twitter @jondyer9 and of course visit

Also published on Medium.


Jonathan Dyer

I'm a small town guy living in Los Angeles looking to make solid financial decisions. I write for a number of finance websites, including HuffingtonPost and Business2Community. I founded in 2015 to focus on personal finance and the emerging FinTech markets.

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