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Poorer Than You is a personal finance blog for college students and twenty-somethings. Sound boring? How about this: Poorer Than You is the site for you if…

  • You want to be rich someday, but you don’t know where to start.
  • You have student loans that you know you’ll have to pay off… someday.
  • You’re not quite sure how to make your money work for you.
  • You have no idea how much money you have right now.
  • You’ve seen your parents or other family member struggle with money, and you don’t want that to happen to you.

Although the focus here is on Generation Y (also called “the iPod Generation, the Internet Generation, and Generation Debt), people both older and younger have found valuable information on this site.

Topics include credit cards, savings, budgeting, earning more money, evaluating job offers… from big financial decisions down to small ones, from the latest news to time-tested advice.

This site offers no “get rich quick” schemes (sorry!), but the goal here is to put you in a better financial position. Don’t you want to enjoy life, instead of fighting with money problems?

Poorer Than You has been mentioned in the New York Times, in international press (which Stephanie can’t read because she doesn’t know Spanish), Dan Ariely’s book Predictably Irrational, and Stephanie was thanked in the acknowledgments of the book X-Men and Philosophy (which has nothing to do with this site, but is awesome).

Who is Stephanie?

A 26-year-old college graduate, living in Northern Virginia. She got her Personal Finance Stripes via trial-by-fire: nothing teaches you to manage your money like running out of it and having to drop out of school! Nine months of hard work, saving, and learning about personal finance got her back into school – blogging about it the whole way.

College ended for Stephanie in 2009, bringing on a whole new set of financial challenges to write about. The posts on this site are a blend of personal stories and articles – you get the benefit of learning from Stephanie’s mistakes, while also getting the Cliff Notes version of the insane amount of financial literature she reads every day. Stephanie’s current goal is to achieve a net worth of $0 (up from -$38,543) by the end of 2014. But it’s not going to be easy! Follow her struggles and achievements by subscribing to the site via RSS or email updates.

Stephanie also knits, Geocaches, and watches everything made by Joss Whedon.

Contant form – send Stephanie a message!

Disclaimer: Stephanie is not a financial adviser. In fact, even if she were, all advice should be taken with a grain of salt. She does not know the financial intricacies of your particular situation, and cannot give complete advice, and therefore is not responsible for your actions. All actions taken based on this site are at your own risk.

17 responses to “About”

  1. simon

    Congrats! Stephanie. You won The 4-Hour Workweek contest.

  2. Jeremy Day

    Hi Stephanie,

    Cool blog you got here. I knew I would stumble across a blog like this eventually. Keep up the great work!


  3. Shaun Connell

    Hehe, I know what you mean. I’m working my way through college, and have been dangerously close to dropping out a few times (once getting down to just 2 classes during a semester). Lot’s of people have asked me why my parents won’t pay. Grrrr. 😉

  4. WIWS

    If I had to describe your site with one word, it would be–impressive. You have a very nice site. Your entries are informative and carry your voice very well. Most importantly, they are fun to read! I look forward to reading your blog. Any tips would be appreciated.


  5. Brice

    Hi Stephanie,

    Love the site. Hope that you find something worthwhile to pursue after your last three weeks at RIT!

    Glad to hear your insured,


    Perhaps we can exchange links, sometime?

  6. Abigail

    Hi Stephanie! At your request, I’ve added you to Oversampled. Go queerspawn!

  7. Financial Samurai

    Nice site Stephanie! Keep up your new financial habits and discipline!

  8. Hayley

    Great website! I have been look for a website for 20somethings finance because I just graduated from college and have so many questions! Its great to know everyone goes through the same thing. 🙂

  9. Kelsey

    This looks like a great site. I get frustrated by a lot of personal finance sites because they assume you have a job making $30k+ a year. I make closer to $15k a year, which makes it hard to save, and those other sites don’t even come close to having appropriate advice. Again, thanks for creating this!

  10. Neeraj Bhushan

    Cool. Rich and not poor. Keep sharing. I surfed and found it really cool.

  11. Katherine Cannon

    Cool blog Stephanie! I just stumbled across it while looking for a new blog idea for my website!

    I am also a young money nerd, from Seattle, WA. If you ever want to bounce any ideas off of me, let me know!

  12. Laura @MotherWouldKNow

    Stephanie, Just stumbled on your site – love it! Your sense of humor and sense of purpose will carry you far – and your tips are great.

  13. Andrew Huff

    Wow, this is a great idea!! I’ve only read a few of your articles so far, but plan to frequent this site. Keep doing what you’re doing and don’t let the dollar amount stop ya! 🙂

  14. Jennifer

    Hello Stephanie,

    Love reading your posts. Just finished reading credit card/ check ID one, and keeping separate funds. Thanks for sharing your opinions and ideas.

  15. Patricia Donnelly

    Hi, Stephanie!

    Wow! So much good information here! I will be sure to share this with our students.

    Thanks so much for sharing your wisdom!

    Best Regards,
    Patricia Donnelly
    Program Manager
    Student Money Management Services @ BGSU
    Bowling Green, OH 43403

  16. Bethanie White

    Great site Stephanie! As student loan debt rises your blog will be essential! Keep up the good work and best of luck!

  17. Jonha } Saving is Sexy

    Glad to have stumbled upon your blog! I really enjoy your personal finance chronicles and how your no nonsense approach inspires many of your readers 🙂