About Wealth by Penny

Our Story: From Corner Office to Your Coffee Table

Hi, I’m Penelope—but everyone calls me Penny. For seven years, I analyzed million-dollar portfolios from a corner office thirty floors up. The view was incredible, the work was challenging, but something kept tugging at me: the powerful wealth-building strategies I used for high-net-worth clients weren’t reaching the people who needed them most.

I watched brilliant, hardworking people struggle with financial basics that could change their entire trajectory—not because they weren't smart enough, but because the financial world speaks in jargon and gatekeeps information behind expensive advisors and complex products.

That's when everything shifted.

I realized my real calling wasn't managing wealth for the already wealthy—it was democratizing these strategies for everyone else. The single mom juggling two jobs. The recent graduate drowning in student loans. The couple dreaming of their first home but not knowing where to start.

So I walked away from that corner office and built something better: a bridge between Wall Street wisdom and Main Street reality.

Wealth by Penny was born from a simple truth I learned analyzing thousands of financial profiles: the same principles that build generational wealth work at every income level. They just need to be explained in plain English, with real numbers, and with someone who genuinely understands both the math and the emotions behind money decisions.

How We Keep It Real

Quality over quantity drives everything we publish. Each piece of content goes through our rigorous three-layer review:

Financial Accuracy: Every number, strategy, and recommendation is fact-checked against current regulations, market conditions, and mathematical reality. We cite primary sources, link to official resources, and update content regularly to reflect changing financial landscapes.

Practical Application: We test strategies ourselves or with our community before recommending them. If we can't show you real examples, real numbers, or real results, we don't publish it. Period.

Accessibility Standards: Complex concepts get broken down into actionable steps. We eliminate financial jargon, provide clear definitions, and include multiple examples for different income levels and life situations.

We never accept payment for specific product recommendations, maintain strict editorial independence from affiliate partnerships, and clearly disclose any financial relationships. Our credibility is worth more than any sponsorship deal.

Our content reflects diverse financial situations because wealth building looks different for everyone. We feature stories from various income levels, life stages, and financial starting points—because representation matters in financial education.

What We Offer

Money Mindset

Transform your relationship with money from the inside out. We tackle the psychological barriers that keep people stuck—from scarcity thinking to decision paralysis. You'll find frameworks for overcoming financial anxiety, strategies for couples navigating money disagreements, and approaches for teaching kids healthy money habits. This isn't therapy; it's practical psychology applied to your wallet.

Grow Wealth

Build real assets with strategies that actually work for regular people. From index fund investing explained in plain English to real estate opportunities beyond traditional home buying, we show you how to make your money work harder than you do. Every strategy comes with specific steps, realistic timelines, and honest discussions about both potential returns and risks.

Financial Toolkit

Master the fundamentals that create lasting financial stability. We cover everything from optimizing your banking setup and maximizing credit scores to tax strategies that save real money and insurance coverage that actually protects you. Think of this as your financial infrastructure—the boring-but-crucial stuff that makes everything else possible.