headshots
bio
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Dana Miranda is a Certified Educator in Personal Finance®, creator of the Healthy Rich newsletter and author of You Don’t Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease (Little, Brown Spark 2024). She writes about how capitalism impacts the ways we think, teach and talk about money.
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Dana Miranda is a Certified Educator in Personal Finance®, creator of the Healthy Rich newsletter and author of You Don’t Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease (Little, Brown Spark 2024). She writes about how capitalism impacts the ways we think, teach and talk about money.
Dana is the expert behind the nationally syndicated “Dear Penny” financial advice column, a regular contributor to Business Insider and Forbes Advisor, and a founding member of the Kiplinger Advisor Collective.
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Dana Miranda is a Certified Educator in Personal Finance®, creator of the Healthy Rich newsletter and author of You Don’t Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease (Little, Brown Spark 2024). She writes about how capitalism impacts the ways we think, teach and talk about money.
Dana is the expert behind the nationally syndicated “Dear Penny” financial advice column, a regular contributor to Business Insider and Forbes Advisor, and a founding member of the Kiplinger Advisor Collective.
Dana grew up in a working-class family in a small town in Wisconsin. When she joined the ranks of personal finance media in 2015, she found the niche led mostly by advice (and admonitions) from middle-class white men, ignoring the broad diversity of our relationships with work and money. After leaving a leadership position with a popular financial media startup and spending two years as a freelance writer, she created Healthy Rich to change the way we talk about money.
you don’t need a budget assets
about the book
Track every dollar you spend. Check your account balances once a week. Always pay off your credit card bill in full. Make a budget—and stick to it. These are just a few of the edicts you'll find in virtually every personal finance book. But this kind of rigid, one‑size-fits‑all advice—usually written for and by wealthy white men (and a few women) with little perspective on the money struggles that many people face—is unrealistic, and only creates stress and shame.
As a financial journalist and educator, Dana Miranda is on a mission to liberate readers from budget culture: the damaging set of beliefs around money that rely on restriction, shame, and greed—much like diet culture does for food and bodies. In this long‑overdue alternative to traditional budgeting advice, Miranda offers a new approach that makes money easy for everyone, regardless of the numbers in their bank account.
Full of counterintuitive advice—like how to use debt to support your life goals, how to plan for retirement without a 401K, and how to take advantage of resources that exist to support those left behind by the forces of capitalism—You Don’t Need a Budget will empower readers to get money off their mind and live the lives they want.
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Category: Business/Finance
Publication date: Dec. 24, 2024
ISBN: 978-0-316-56893-7
Retail price: $29.00 US / $38.00 CAN
Trim size: 5-1/2 x 8-1/4 in.
Page count: 304
Logline: A simple, no‑stress guide to managing your money—free of the toxic messages and money shaming baked into traditional personal finance advice.
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