About The Health Money

Hey, I'm Sarah Chen, CFP® — a personal finance enthusiast, writer, and recovering over-spender. I started The Health Money because I was tired of financial advice that felt either condescending or impossible to follow.

Like most people, I didn't grow up learning about compound interest or Roth IRAs at the dinner table. I learned the hard way: credit card debt in my twenties, zero savings at 25, and a general sense of dread every time I opened my bank app.

Then I got serious. I read everything I could — from Bogle to Ramsey, from Mr. Money Mustache to academic papers. I built systems, paid off debt, started investing, and most importantly, I stopped being afraid of my own finances.

What The Health Money Is About

Every article on this site is written with one goal: give you a clear, actionable next step. No fluff, no jargon, no vague "just save more" advice. Whether you're trying to build your first emergency fund or optimize your tax-advantaged accounts, I've got you covered.

Affiliate Disclosure

Some articles contain affiliate links to financial products I personally use or have thoroughly researched. If you sign up through those links, I may earn a small commission — at zero extra cost to you. This helps keep The Health Money free and independent. I will never recommend something I don't believe in just for a referral fee.