10 Signs You’re a Certified Money Nerd


Personal Finance Addict

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My name is Peerless and I am a certified money nerd.


    1.  The first thing you do when you wake up around 6:30 a.m. CST is check Rockstarfinance.com to read the three best articles of the day!  You secretly wish they would post articles on Saturday and Sunday as well.  If you are a personal finance blogger, you might check it first thing in the morning to see if your article has been featured! See my article Read Rockstar Finance Articles Daily to Increase Your Financial Knowledge.Personal Finance Addict
    2.  You love to listen to at least five personal finance/business related podcasts a week!  When you are commuting to work, you prefer listening to your favorite podcast over listening to music.  Check out some of my favorite personal finance/business related podcasts below.  The last podcast I listened to was Choose FI’s episode 61 Mindfulness Cory Muscara.  Prior to that, I listened to my other favorite one called How I Built This.  My absolute favorite podcast is Freakonomics; there is always a unique perspective given on some economic topic. Plus, Steven Dubner always gives his listeners both sides of the story!

      Peerless Money Mentor Personal Finance Addict Podcast List
      I use Podcast Addict. What app do you use to listen to your podcasts?
    3.  You have read at least two books on ESI Money’s book list titled The Only Five Money Books You’ll Ever Need.  The books on his list are: The Millionaire Next Door, Your Money or Your Life, The Richest Man in Babylon, The Boglehead’s Guide to Investing, and How Much Money Do I Need to Retire.  Prior to coming across this reading list, I had read the first three.  Best believe I have added The Boglehead’s Guide to Investing and How Much Money Do I Need to Retire to my reading list!
    4.  Your idea of fun is studying financial terms on Investopedia.com.  At the very minimum, you have signed up to have the term of the day e-mailed to you. As a result of studying these terms, you may try to introduce them in conversations with your friends.  Unless they are a finance nerd like yourself, do not do this! They will have no clue what you are talking about.

      Warning: studying these “hot” definitions on Investopedia will make you super attractive!
    5.  Sometimes you have dreams about financial concepts.  When I was sleep one night, I had a dream about the rule of 72.  The rule of 72 is used to estimate when your investment will double. For example, if I invest in Peerless Enterprises and it has a constant rate of return of 10%, I can expect my investment to double in 7.2 years (72/10). If you are in debt, the Rule of 72 shortcut can be used as powerful motivator to knock it out ASAP.  Let’s say you have a Stay Broke Phi Broke Forever card with a whopping 14% interest rate and a balance of $5,000. Using the rule of 72, you will find that your debt will double to $10,000 in 5.14 years. 
      Coming Soon
      Given a constant rate of return of 5%, use the rule of 72 to find out how many years it will take for your investment to double!
      Given a constant rate of return of 5%, use the rule of 72 to find out how many years it will take for your investment to double!
      Given a constant rate of return of 5%, use the rule of 72 to find out how many years it will take for your investment to double!
    6.  You sometimes stay up late consuming personal finance content.  When you try to get some rest, your love of financial ideas prevent you from doing so.  I have stayed up late binge listening to personal finance and/or blogging podcasts.  Last week I stayed up until 1:00 a.m. listening to the Do You Even Blog podcast.  I decided to give a shout out to the host Pete on Twitter and he jokingly told me sleep was important!
      Personal Finance Addict
    7.  When your friends panic when the stock market goes down, you just buy more when the price is low!  Through years of studying personal finance, you have learned to master your emotions.  You gotta keep a long term perspective.  The stock market is volatile but it generally trends upward!  Below is a reminder from ESI Money!

      ESI Money on the Stock Market
      ESI Money explaining how the market works!
    8.  You know what FinCon is and you have attended and/or want to attend for the first time this year.  FinCon is a conference where awesome people in the personal finance space get to network and secretly plot how to take over the world. Just joking! But, seriously, it is a place where they meet up to network and “learn to create better content, reach their audience, and make more money.”  I have not been to one yet but I would love to attend this year!
      Personal Finance Addict FinCon 2018
    9.  You get super excited when Netflix adds a new documentary about money.  When the Minimalism documentary came out, you probably watched it more than once!  The latest documentary to drop on Netflix is called Dirty Money.
      Dirty Money on Netflix
    10.  You are a personal finance blogger.  Why else would you spend time writing weekly post if you were not addicted to personal finance?  As a peerless blogger, I am constantly thinking about ways I can put a unique personal finance spin on things that happen to me in my everyday life. or content I consume.  When I need inspiration to write, I digest what is out there in the personal finance blogosphere.  While some people warn not to consume other people’s content if you are a creator yourself, I disagree with their view.  No one can write like you if you let YOUR voice shine through!  I will leave you with a quote before I go to sleep (It’s 1:00 a.m.) from a book I am reading called


What’s the Verdict?

Are you a personal finance addict?  Let me know in the comments section below! Share quiz with your friends!

7-10 checks =Definitely a money nerd

4-6 checks= You are somewhat of a money nerd

0-3 checks = What are you doing with ya life? 🙂

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Author: Jerry

Jerry is a Business Insider Contributing Writer who is obsessed with personal finance. He believes you can improve your financial situation by applying principles taught by the financial independence community to your financial life.

If you are having trouble saving, he recommends that you join the SaverLife Savings program where you can get a $60 reward after six months (no income requirement). All you have to do is put a minimum of $20 a month into a savings account. Easy, right?

For a fun read, check out his article 10 Signs You’re a Personal Finance Addict to see if you are a personal finance nerd.

Before you go, check out the new From Broke to Financially Woke Interview Series.

Also, please subscribe below if you found his content valuable and want to continue following him as he documents his own journey from Broke to Financially Woke!

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46 thoughts on “10 Signs You’re a Certified Money Nerd

  1. 1 – This was great lol. I sincerely enjoyed the list, and I’m also guilty as charged for most of these.

    2 – Thanks for the mention of course, and actually MORE for the, ya know, actual listens?

    3 – yes, FinCon 2018. Come.

    1. Thanks for dropping by, Pete! I am glad you enjoyed it! My goal was to make it a fun read. Keep up the good work with Do You Even Blog. I’ll keep listening! Maybe not at 1:00 a.m. though lol

  2. I can identify with all of those. The other day I had a dream or should I say a nightmare that at work, I made a mistake and introduced myself as Ms99to1percent instead of my real name 🙂 When I woke up, I was happy to realize it was just a dream 🙂

  3. Lol loved the list! I’m guilty of staying up way too late reading personal finance blogs. It’s like a black hole that sucks you in, and before you know it, it’s 3am and you don’t remember how you got there.

    I also want to attend FinCon. It seems like one of the few places where people will care about the things that I find to be so fascinating!

  4. That was excellent! And entertaining.

    Lately I have been looking at the spending side of personal finance as one might look at an addiction. Every expenditure is looked at as ic it was a cigarette. I really want it but should I actually but it. That had done wonders to cut waste from my expenses. (And yes, I very recently quit smoking too)

  5. Great post – I tick one or two of the boxes, but definitely not all. Does that count as Room For Improvement, or does that mean I am a balanced person.

    Some good ideas on the list I hadn’t even thought if though.

    1. Thanks for stopping by, Brandon! Wait, I meant to say stop for dropping by, Pookie. Hopefully I will see you there. Just got my Southwest bonus points! Let’s see if I can travel hack my way to FinCon!

  6. I’ve only read the first book out of that list (The Millionaire Next Door). I definitely need to read the others. I have The Richest Man on Babylon in a pdf on my computer.

    I use Pocket Casts for Android for my podcasts.

    1. Thanks for dropping by Joe! The Richest Man in Babylon is a quick read. I believe it is just over 100 pages. Thanks for sharing what podcast app you use. I’ve never heard of that one before.

  7. I am actually only slightly addicted, got 6 out of 10. Disappointed I thought I was addicted,… 🙂
    I must say I really love number 7, oh man it s crazy to see how people are panicking over 3% swings in the stock markets,….
    And you caught me red-handed with number 6, it is 11.21 pm here in Europe!

      1. Hey there, for about 1,5 years.
        It is a great hobby, it has brought me a lot especially since I do a lot of research I learn and read more than before and it helps to connect with many people.

    1. Thanks, Ms. Fiology! Glad you enjoyed reading it. Yes, I definitely concur. It should be a powerful motivator for knocking out debt (especially high-interest debt).

  8. Late to the party here, but I guess I’m only slightly addicted. Phew! On the other hand, I really should start listening to podcasts. That could up me to officially addicted. So I guess I’m on the precipice!

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