Jill on Money Substack
No jargon, no judgment, Jill on Money is your no-nonsense guide to taking control of your finances.
- Top in Finance
- #90
- Paid subscribers
- 10+ paid
- Followers
- 34K
- Recommends
- 2
other newsletters
What they write about
Practical personal finance in a question-and-answer format, often built around listener calls. Recurring subjects include education savings accounts, bonds and interest rates, which investments suit a taxable account, couples and money, side income, and financial decisions around illness and caregiving.
- personal finance
- education savings
- bonds
- taxable accounts
- couples finances
- retirement
Recent examples: It’s Good to Be an Owner · How to Build a Lazy Portfolio
Written from Jill on Money Substack’s own published post titles and openings in Sep 11, 2026. It describes the subjects the newsletter covers, not its views, and is not investment advice.
Growth history
Subscribers (thousands, nightly)
34K on Sep 10, 2026 → 34K on Oct 21, 2026
Followers (thousands, nightly)
Rank in Substack’s finance leaderboard: #90 today · #94 a week ago · #98 a month ago
Stats worth sharing
Tracked since Sep 10, 2026 — 62 daily snapshots so far. The card below is built from what we track and refreshes nightly.
- Percentile
- Top 18%
- Best rank seen
- #90
- Rank, 7 days
- +4 places
- Rank, 30 days
- +8 places
- Followers added
- −141
- Posts
- 7
- Reactions per post
- 9
- Reactions tracked
- 235
of 525 ranked finance newsletters
on Nov 10, 2026
since tracking began
last 30 days
average, recent posts
across 26 posts
Most-reacted post we have seen: Don’t Ditch Your Bonds — 22 reactions on Aug 24, 2026.
Recent posts
- It’s Good to Be an Owner
Every three years, the Federal Reserve releases its Survey of Consumer Finances (SCF), a deep dive into what American families earn, own and owe. The latest edition, covering 2022 through 2025, delivered a not-so-surprising headline: families headed by someone 75 or older are now the wealthiest age group in the country. After adjusting for inflation, the median net worth of households 75 and older jumped 37 percent, to $504,900. Meanwhile, the youngest households, those under 35, saw their median net worth drop 23 percent, to $33,000. Every age group in between moved by 6 percent or less in…
- How to Build a Lazy Portfolio
It’s been a while, so we’re bringing back an oldie but a goodie, especially after some recent calls with listeners who were advised to use ten or more mutual funds. more here IN OUR 30s AND FEELING THE FINANCIAL STRESS On the latest episode of Money Moves, Jill and Mark navigate the open enrollment process and discuss managing financial stress in your 30s. more here Subscribe to Money Moves 5 BEHAVIORS TO BOOST YOUR FINANCIAL HEALTH As you continue to work toward your short- and long-term goals, keep these behaviors top of mind to help improve your financial well-being. more here BALANCING…
- What the Past Can Teach Us About Our Financial Future
It’s time for a history lesson, gang! Personal finance has changed a lot over 300 years of American history, but some beliefs about money and markets may be timeless. Historian and author Joseph Moore recently joined us for a funny and fascinating tour of American money. Subscribe to Money Moves Thanks for reading Jill on Money Substack! Subscribe for free to receive new posts and support my work.
- Sticker Shock Season: Picking Your 2027 Health Plan
154 million Americans are covered through workplace plans, and according to the Kaiser Family Foundation (KFF) 2025 Employer Health Benefits Survey , the average annual dollar amounts contributed by covered workers in 2025 were $1,440 for single coverage and $6,850 for family coverage. Of course, the cost does not stop at the premium amount. You need to add deductibles (the amount you have to pay before insurance kicks in), which averaged $1,886 for single coverage last year, and also a copayment (a fixed dollar amount) or coinsurance (a percentage of the covered amount). For physician office…
- Is It Time to Rebalance Your Portfolio?
Diversification doesn’t work if you don’t have an asset allocation in place. Asset allocation doesn’t work without a rebalancing policy. more here WOULD YOU EAT A $4 CHICKEN? MARK SAYS NO WAY! Jill and Mark break down the economics of loss leaders, and debate whether they’re willing to serve a cheaper chicken. more here Subscribe to Money Moves SHOULD YOU GIVE YOUR KIDS THEIR INHERITANCE EARLY? Our children will inherit all of our assets, including our home, when we die, but we’re wondering “why wait?” more here TOO MUCH IN A SINGLE STOCK? From the Jill on Money podcast, with over a…
- Social Media and Your Money: Follow with Caution
Having ready access to financial information can help give you more confidence in your money decisions, but when it comes to social media, we suggest caution. more here IS AN ADVANCED DEGREE WORTH THE COST? Do you really need an MBA? Well, it depends. Jill and Mark break down when an advanced degree is actually worth the price tag, and when it might not be. more here Subscribe to Money Moves SOCIAL SECURITY ANNOUNCES BENEFIT INCREASE FOR 2027 Nearly 72 million Social Security beneficiaries will see a cost-of-living adjustment beginning in January 2027. more here CAN I RETIRE IN 18 MONTHS?…
- Medicare on My Mind
Medicare open enrollment is about to kick off and it runs through December 7th. If you are one of the more than 70 million Americans who receive insurance through the program, this is your annual window to make sure your coverage makes sense. For newbies, let’s start with the basics. Medicare provides health insurance for Americans 65 and older, and for those who receive federal disability benefits. It is funded by payroll taxes, premiums paid by beneficiaries, and the federal government. As with workplace insurance, there are also deductibles and copayments. I recently interviewed Marcia…
- Your Year-End Financial Planning Checklist for 2026
Finish strong with an end-of-year checklist that walks you through retirement contributions, charitable giving, portfolio checkups, and more. more here AM I MISSING OUT ON WEALTH AS A RENTER? It’s an age-old question: Should you keep renting, or bite the bullet and buy your home? more here Subscribe to Money Moves WHO SHOULD NOT CONVERT TO A ROTH IRA? A Roth conversion is NOT a universally beneficial transaction, so each scenario must be evaluated individually. more here MOVING FROM SAVING TO SPENDING From the Jill on Money podcast, now that I'm fully retired, I'm having a hard time making…
- Lessons From Warren Buffett
Although few would ever think that they could replicate Warren Buffett's results, you don't need a lot of money to learn lessons from the so-called "Oracle of Omaha." more here WHY A MARKET CRASH ISN’T A BAD THING You heard that right: Jill is rooting for a market crash. Certified Financial Planner Kayla Sabbagh joins Jill and Mark to explain why in some cases, a market crash can be good for your wallet. more here Subscribe to Money Moves MONEY IS AMERICANS’ TOP SOURCE OF STRESS For many Americans, money stress extends well beyond their finances, affecting their mental health and how they…
- Lessons From Warren Buffett
At the ripe old age of 96, Warren Buffett announced that he was stepping down as chairman of Berkshire Hathaway, the company that he and his business partner Charlie Munger built into a $1 trillion investment powerhouse. Although few would ever think that they could replicate Buffett’s results, you don’t need a lot of money to learn lessons from the so-called “Oracle of Omaha.” Start with one of his core premises: doing nothing is often the best course of action. He advised that once you have a financial and investment plan, you need to stick to it and avoid activity, noting “though markets…
- 7 Biggest Investing Mistakes to Avoid Now
Investors may be focused too much on market volatility and too little on the stock market’s history of growth. more here SHOULD WE SELL OUR HOME TO SAVE OUR BUSINESS? Caller Brittany's family business has left her and her husband financially underwater. Jill, Mark, and special guest host Kayla Sabbagh help her decide if selling their house is the fresh start she needs, or just a temporary fix. more here Subscribe to Money Moves 3 IN 4 AMERICANS THINK MARKET HIGHS ARE UNSUSTAINABLE Despite record market highs, Americans are uneasy about what comes next, and that financial anxiety may be…
- How Much Can You Safely Withdraw If You Retire Early?
Your retirement time horizon is a big factor, but Social Security, future employment, and changes in spending also matter. more here CAN WE AFFORD THE COST OF PRIVATE SCHOOL? Can you guess the price of private school in Indiana? Jill, Mark, and Kayla counsel caller Rachel on whether or not she can afford to pay to send her kid to private preschool. more here Subscribe to Money Moves WHAT IS A DEDUCTIBLE AND HOW DOES IT WORK? A deductible is one of those insurance things you don't think about, until you have to. Here's what it actually means, so you can prevent a claim from becoming a surprise…
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Data: Substack public leaderboards and publication archives, refreshed nightly, plus public beehiiv sitemaps and recommendation pages, refreshed weekly. Source for this page: Jill on Money Substack. Subscriber counts are Substack’s own rounded public figures, so week-on-week changes move in steps. beehiiv audience sizes are self-reported by the publisher and are not verified. Last snapshot: Nov 10, 2026.