Best of the Web

Top 10 Personal Finance Articles of the Month — July 2025

by Managing EditorAug 8, 2025

Welcome to Fioney’s look at the top 10 personal finance articles of the month. On the first Friday of each new month, we look back at some of our favorite posts published (or updated) in the weeks prior and highlight them right here. This includes a mix of sites that have become staples of our lists as well as many first-timers.

We’ll start things off with a pair of articles looking at how some current events (or really just one event) could impact your finances. After that, we’ll discuss budgeting and saving. Finally, we’ll take a look at changing money perspectives, preparing for a crisis, 401(k)s, and more.

Here are our picks for the top 10 personal finance articles for July 2025.

Current Events

How the One Big Beautiful Bill Act Affects Tax Planning — Mike Piper, Oblivious Investor

Recently, the “One Big Beautiful Bill Act” was signed into law. As the name implies, this legislation covers a lot, including several aspects that could impact your taxes. With that in mind, Mike takes a closer look at the bill and how it may (or may not) affect tax planning.

No Tax on Tips in 2025 Trump Tax Law. What’s the Catch? — Harry Sit, The Finance Buff

Sticking with the “One Big Beautiful Bill Act,” one of the most talked about tax elements is the “No Tax on Tips” portion. But what exactly does this mean and who will benefit from it? Harry breaks down the details and even provides a helpful calculator.

Budgeting, Saving, and More

How to Spot and Fix Your Budgeting Blind Spots — Stephanie Matthews, Aptus Financial

On the surface, setting up a budget can seem like a fairly simple task. However, as time goes on, you may come to realize that something may be missing. In this post, Stephanie shares some common blind spots and why long-term planning is needed when building a budget.

Save $500, $1,000, or $5,050: The Sticky Note Savings Challenge That Works For Your Budget — Nadia Vanderhall, The Brands and Bands

If you’re finding it difficult to get yourself to set money aside for savings, perhaps it’s time to try something new. One option is a savings challenge, which can add a bit of extra motivation to your efforts. In particular, Nadia recommends the Sticky Note Challenge and highlights three different tiers for this strategy.

Getting Your Finances on Track — Saving Joyfully

After a financial setback, it can be difficult to get back on course. That said, there are some key steps you can take towards rebuilding. That’s exactly what this article from Saving Joyfully looks at, as well as some common sources of financial crisis.

Personal Finance Tips

How My Thinking About Money Has Changed Over 20 Years (and What Hasn’t) — Jim Wang, Wallet Hacks

As we get older, it’s only natural that our opinions and outlooks will evolve. Understandably, that can include views on money and finance. Indeed, in this post, Jim looks at some of the ways that his money perspectives have changed over the past two decades.

How to Prepare for the Next Crisis While Times are Good — Craig Stephens, Retire Before Dad

Unfortunately, while we might not want to admit it, it’s not really a question of if another financial crisis will occur but when. Yet, the good news is that there are steps you can take now to help prepare you for whatever challenges may arrive. Those steps and more are what Craig takes a look at in his article.

When Will You Become a 401 (k) Millionaire? — Lazy Man and Money

It should come as no surprise that a big part of personal finance is math. Sometimes this math can be depressing — but, in other cases, it can actually be quite encouraging. For example, you may be surprised when calculating how your money can grow over the course of time. In fact, as Lazy Man points out, you can even use math to determine when you’ll hit certain money milestones (which can surely help to keep you motivated!).

Intergenerational Thinking — Victor Haghani and James White, Elm

It’s fairly safe to assume that the inheritances you’ll leave to loved ones aren’t something you think about too often. But, if you’re hoping to turn your wealth into generations of income, then it is something you may need to consider more carefully. This post from Victor Haghani and James White explains more.

Money is Emotional: Why Emotional Intelligence Matters — Derek Hagen, Meaningful Money

When it comes to managing money, emotions can play a big role. This can be seen in many impulsive spending habits, investment trade mistakes, and more. That’s why emotional intelligence can be so important, as Derek notes in this article.

Thanks for checking out our 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 us on Twitter @fioneymoney and of course visit Fioney.com.

Author

Managing Editor

Managing Editor ~ Fioney

Toren Ajk is the founder of TAC Marketing Group, the parent company of Fioney. Toren has over 15 years of experience in the digital publishing space and has worked with a number of FinTech clients over the years, including LendingClub, Upgrade, and Able Lending, among others. He has a BA in Business/Economics from the University of California at Santa Barbara and earned Beta Gamma highest academic honors for his MBA work in Finance and Marketing at Loyola Marymount University.