10 Best Subreddits for Smart Money Conversations for 2025
Written by Diversification.com Editorial Team • Updated June 18, 2025
6 min read • This article was created using publicly available data at the time of publication. The list includes editorial opinions, is not investment advice, and there are no paid placements.
Insight: Collectively, the top 10 finance-related subreddits reach over 30 million subscribers—making Reddit one of the most active spaces for peer-driven market commentary and money advice.
Reddit offers a unique blend of anonymity, collective wisdom, and unfiltered discussion—especially valuable for investors navigating volatile markets or seeking real-world financial strategies. This list was compiled using subscriber count as the sole ranking factor.
How We Ranked These Subreddits for Smart Money Conversations
To generate this list, we analyzed subscriber counts of popular finance-related subreddits as of June 2025. Only subreddits primarily focused on personal finance, investing, or market education were included. Subs centered on short-term speculation, meme stocks, or non-financial content were excluded.
The final list is ranked from highest to lowest based on total subscriber count—reflecting where the largest finance-focused conversations are happening on Reddit today.
1. r/personalfinance
- Subscribers: 21 million
- Focus: Budgeting, saving, getting out of debt, credit, investing, and retirement planning
- Access: Reddit app + web
- Notable Details: Moderated FAQ structure and strong community voting filter low-quality content.
2. r/cryptocurrency
- Subscribers: 9.9 million
- Focus: Blockchain, tokens, macro crypto trends
- Access: Reddit app + web
- Notable Details: High volume of discussion and volatility; relevant for risk-aware
3. r/stocks
- Subscribers: 8.9 million
- Focus: Equities, earnings reports, company fundamentals
- Access: Reddit app + web
- Notable Details: Daily megathreads on market open/close activity and company news.
- investors.
4. r/investing
- Subscribers: 3 million
- Focus: Stock market, ETFs, long-term investing, etc
- Access: Reddit app + web
- Notable Details: High-traffic discussions on portfolio allocation and market sentiment.
5. r/financialindependence
- Subscribers: 2.3 million
- Focus: FIRE movement, early retirement, frugality
- Access: Reddit app + web
- Notable Details: Popular with minimalists and long-term planners seeking lifestyle-aligned strategies.
6. r/RealEstateInvesting
- Subscribers: 1.9 million
- Focus: Structured Deals, Flipping/Rehabbing, Wholesaling, Lending, Land, Commercial Real Estate, etc
- Access: Reddit app + web
- Notable Details: Strategy-based content with spreadsheet and underwriting discussions.
7. r/financialplanning
- Subscribers: 958,000
- Focus: Personal finances, budgeting, income, retirement plans, insurance, investing, and frugality
- Access: Reddit app + web
- Notable Details: Advisor and planner participation common in comment threads.
8. r/dividends
- Subscribers: 741,000
- Focus: Income investing, dividend stocks
- Access: Reddit app + web
- Notable Details: Dividend tracking, DRIP strategies, and cash-flow modeling.
9. r/Bogleheads
- Subscribers: 674,000
- Focus: Index fund investing, low-cost strategies
- Access: Reddit app + web
- Notable Details: Community mirrors the Bogleheads.org ethos—long-term passive investing.
10. r/fatFIRE
- Subscribers: 442,000
- Focus: High-income FIRE paths, luxury lifestyle retirement
- Access: Reddit app + web
- Notable Details: Focus on >$100K/year post-retirement income strategies.
In short
Reddit has become a go-to source for crowd-vetted financial knowledge. This list highlights the most-subscribed communities that consistently surface real conversations about money strategy, risk, and long-term planning.
Disclosures
- Data verified as of June 18, 2025
- This article is not financial advice
- Subscriber counts and subreddit content may change. Always verify community policies and sources independently.