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Dana Miranda

author & financial educatorYOU DON'T NEED A BUDGET (Little, Brown Spark 2024)

Wild Rose, WI 54984

Member Since April 2023


Financial Education
Coaching & Mentoring


I’m a Certified Educator in Personal Finance® (CEPF®), author, speaker and personal finance journalist. I write about how capitalism impacts the ways we think, teach and talk about money. I'm the creator of the Healthy Rich newsletter and author of YOU DON'T NEED A BUDGET (Little, Brown Spark 2024).

Published content

10 Steps for Having Better Money Conversations With Your Spouse

expert panel

The way you approach these conversations can set the stage for your whole relationship — for better or worse. Money and finances can be a truly divisive topic, and nowhere is this more true than with romantic partners. With differing spending and saving habits, economic backgrounds, values or beliefs around money, couples may find it difficult to get on the same page when it comes to their finances. In some cases, disagreements around money may even lead couples to break up or divorce. In this way, it’s vital couples have conversations about money early on to set a better foundation for their financial future together. However, ensuring you’re having these conversations the right way — without them turning into arguments — is key to your success. To offer their guidance, 10 financial experts from Kiplinger Advisor Collective each share one piece of advice they’d give to a couple about how to approach money conversations in a better way and work together to accomplish their financial goals.

New to Investing? Six Expert Tips for How to Do It Smartly

expert panel

The key to smart investing is to first equip yourself with the right knowledge. For the average person, investing can seem like an intimidating concept. “How do I figure out what to invest in?” “How much should I invest, and how often?” “What are the best accounts to open up?” “What happens if I lose all my money?” These are just some of the questions aspiring investors are likely to ask, but getting answers isn’t always so straightforward. Those attempting to invest without any knowledge of how to do so have the potential to set themselves up for grave financial mistakes in the future. In this way, it’s critical new investors take care before making any decisions or setting any investment goals. But whether someone just wants to dabble in investing or they’re ready to make some more aggressive moves, they should first consider the advice of financial and investment experts. As such, the leaders of Kiplinger Advisor Collective have some sage advice for newbie investors. Below, they each offer one tip that individuals new to investing may not know about how to do it smartly, and why they would so strongly advise taking these cautionary steps before taking any major financial ones.

4 Questions to Consider When Introducing Clients to New Fintech


To guide your clients toward a smooth adoption of useful fintech tools, ask these questions.

Budgeting Doesn’t Work: A Fatal Flaw in Typical Money Management Advice


Here’s a new way to think, teach and talk about money — that doesn't revolve around budgeting.

Eight High-Growth Sectors Every Leader and Investor Should Have on Their Radar

expert panel

Whether you’re a seasoned investor or just dabbling in the financial world, you’re likely looking for the “next big thing” to put your money toward. There are a number of promising opportunities to choose from, but as financial leaders and advisers in this space, the members of Kiplinger Advisor Collective suggest that these eight sectors have high growth potential now and in the future. From sustainable options such as green energy to evolving technologies such as artificial intelligence, these sectors are growing in both popularity and necessity — meaning early investments now could equal major returns later on.

Company details

YOU DON'T NEED A BUDGET (Little, Brown Spark 2024)

Company bio

YOU DON'T NEED A BUDGET is a simple, no‑stress guide to managing your money — free of the toxic messages and money shaming baked into traditional personal finance advice.


Financial Education & Literacy

Area of focus

Financial Education & Literacy

Company size

Myself only