Top 10 Personal Finance Articles of the Month — July 2022 

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. First, we’ll look at two articles about saving money — in both senses of the term. After that, we’ll talk about investing for retirement. To close things out, we’ll also cover financial goalposts, a five-word reason why financial freedom is so powerful and much 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 July of 2022, along with their title, author, and the site they originally appeared on.

Saving Money

How Much Money Should I Save Every Month? — Natalie, Go From Broke

Chances are that most consumers know they should be saving money. Of course, determining how much you should be setting aside is a different story. Luckily, Natalie offers this full guide to answer that question and many of the other queries that come from it.

4 Ways to Save Money on Rent (Without Moving) — Kyle Burbank, Money@30

For many Americans, the largest single expense they have each month is rent. And while there are a few ways that this cost can be cut, the best money-saving options typically involve relocation. Instead, Kyle looks at a few tips and tools to help consumers save money on rent without needing to move.


When Are Roth Accounts Better than Tax-Deferred? — Chris Mamula, Can I Retire Yet?

When it comes to retirement investing, IRAs can be a major tool. Of course, these accounts come in two main flavors: traditional or Roth. So which is better? To help answer that, Chris looks at some different situations and when one option may be more beneficial than the other.

In Defense of Dollar Cost Averaging — Nick Maggiulli, Of Dollars and Data

For investors, the goal is to buy low and sell high. In reality, however, it’s impossible to perfectly predict the market, making this approach untenable. That’s where dollar cost averaging comes in, suggesting that investors continue following the same approach regardless of what the markets are doing. In this post, Nick takes a deeper look at dollar cost averaging by applying the principle to some of the worst market times.

Personal Finance Tips

Why the Financial Goalposts Are Always Moving — Ben Carlson, A Wealth of Common Sense

Have you ever neared achieving a goal only to realize that, suddenly, it doesn’t seem good enough? Especially when it comes to finances, it can seem as though the goal post is always moving. As it turns out, there’s a reason for that, as Ben explains.

“Money lets me show up.” — J. Money, Budgets are Sexy

There are many reasons why financial freedom has become an increasingly popular concept. Perhaps most notably, for many, it’s the goal is to not have a job they hate. Yet, as J. Money shares (inspired by a tweet by Kate Horrell), the power of financial freedom can be summed up in five words: “Money lets me show up.”

The Buyerarchy of Needs: Reduce Waste and Save Money — Kara, Bravely Go

In school, many of us are introduced to Maslow’s hierarchy of needs. More recently, climate writer Sarah Lazarovic provided a new spin on the concept she titled the “Buyarachy of Needs.” Inspired by that graphic, Kara puts the pyramid into a personal finance perspective as well.

But I Don’t Want to Be FrugalClipping Chains

No matter how hard we try, it seems that the concept of frugality remains largely misunderstood. Then again, it’s hard to blame some consumers that look at the penny-pinching ways of some financial independence seekers only to think “That’s not for me.” For those who might feel that way, this post from Clipping Chains discusses the value component of frugality, finding a “sweet spot” and more.

Why More Money Won’t Lead to Financial IndependenceDarius Foroux

According to common definition, financial independence is reached when you have enough money saved and invested to support your lifestyle without the need for employment. So it would seem that, if you had more money, you’d achieve financial independence faster, right? Not so fast, says Darius, who explains why lifestyle is a more important factor than income.

Cheers To 4 Years Of A Purple Life: Highlights & Answering Your QuestionsA Purple Life

Finally, a big congratulations to A Purple Life, which celebrated four years this month. To mark the occasion, the blog looked back at the past year — including accomplishments, opportunities turned down, and more — while also answering some reader questions.

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.

Other Articles by Jonathan Dyer

Credit Bureaus Once Again Extend Free Weekly Credit Reports

An offer that was introduced at the beginning of the pandemic has once again been extended. This week, the three major credit bureaus in the United States — Equifax, Experian, and TransUnion — announced that they'd be continuing their free weekly credit report program for consumers. Now, the feature will be valid until the end of 2023. Prior to the pandemic, consumers were entitled to download a copy of their...

Marriott Bonvoy Unveils New Cobranded Cards From Amex, Chase

In a much-expected move, Marriott Bonvoy has announced the launch of two new cards that will join their cobranded line up. These cards are the Marriott Bonvoy Bevy American Express card and the Marriott Bonvoy Bountiful Card from Chase. Both the Bevy and Bountiful cards earn 6x Marriott Bonvoy Points on purchases at participating Marriott Bonvoy properties, 4x points on purchases at restaurants worldwide as well as at U.S. supermarkets (up...

Small Business Banking App Lili Introduces Lili Academy

Oftentimes, when people think of the "entrepreneur spirit," they assume it means striking out completely on your own. While setting your own course and working for yourself can be key reasons why individuals elect to start a small business, the truth is that there's no shame in seeking some help. Luckily, there are now a number of free resources entrepreneurs can utilize to help teach them important business topics and...