Jen Smith

A former staff writer for The Penny Hoarder, Jen is the author of three books who paid off $78,000 of debt in two years. She's been featured in numerous publications including The Wall Street Journal, Money Magazine, Women's Day, and more.


Jen Smith has been a full-time personal finance writer since 2018. After growing up with no personal finance education at home or in school, Jen learned firsthand the value of increasing her income, becoming debt-free, and investing for retirement. 

Since becoming debt free, she's been teaching others how to navigate student loans, pay off debt faster, and the fundamentals of investing through her website, Modern Frugality, and episodes of the Frugal Friends Podcast. 

Jen also teaches personal finance through her three books: The No-Spend Challenge Guide, Meal Planning on a Budget, and Pay off Your Debt for Good and her seasonal course, 5 Weeks to $500, which has helped hundreds of students take control of their spending habits.