Oct 28, 2022

NGPF Podcast: Dana Miranda on the importance of having a nuanced perspective on personal finance

Wondering what teachers learned after hearing finance educator Dana Miranda share her perspective on personal finance and budgeting culture? 

    • "Love the perspective of HEALTHY budget!"
    • "The concept that there is not one right way to do things in terms of personal finance and how important it is to introduce nuance and discussion of other elements of well-being."
    • "This brought more attention about the shame connected to money conversations."

In this NGPF Podcast with Yanely, Dana shares her entrepreneurial journey to starting Healthy Rich, a platform for conversations that illuminate the diversity of our relationships with work and money. She explains why inclusive financial education is so important while also shining a light on the systemic forces that can hinder wealth creation. Enjoy! 


  • 0:00~0:56 Introduction
  • 0:56~2:50 Career path to become a personal finance journalist
  • 2:50~5:40 Shift towards personal finance media from finance media
  • 5:40~10:12 Early money lessons
  • 10:12~13:44 The idea of budget culture
  • 13:44~22:55 Impact of the family’s relationship to money
  • 22:55~25:54 Parallels with diet culture and budget culture
  • 25:54~26:18 A word from NGPF
  • 26:18~40:35 To a more nuanced understanding of personal finance
  • 40:35~45:21 Importance of personal finance education
  • 45:21~50:25 Impact of social media on the personal finance space
  • 50:25~52:36 Having meaningful conversations on money
  • 52:36~53:54 Conclusion



  • “Dieting is all about restriction and you can say that out loud and it seems obviously not healthy. And if you replace all those things people are saying about dieting with budgeting and money, that restriction is also unhealthy and unsustainable.”


About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Ren Makino

Ren started interning at NGPF in 2014, and worked part-time through high school and college. With his knowledge growing alongside NGPF, he joined the team to work full-time after graduating from college in 2020. He is also the producer of the NGPF podcast. During his free time, he likes to try out coffees from different roasters across the world.

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