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

As someone who used to build models in Excel for a living, I can tell you this: the numbers only matter if they hold up in the real world. Here’s how we make sure everything we publish actually helps people—not just in theory, but in everyday life.

Financial Accuracy

Every stat, strategy, and suggestion is fact-checked against real-world numbers, current regulations, and market trends. We link to official sources, skip the fluff, and regularly update content to reflect what’s happening right now—not last year.

Practical Application

If I wouldn’t use it—or recommend it to a friend—I won’t write about it. We vet strategies personally or within our community. No cherry-picked success stories. Just honest examples, real numbers, and what it actually takes to get results.

Accessibility Standards

Finance shouldn’t feel like a second language. We break down complex ideas into everyday decisions, ditch the jargon, and offer relatable examples for different income levels, ages, and goals.

Transparency Over Hype

We don’t chase trends, and we’re not here to sell you a dream. If something carries risk, we say so. If a strategy takes time, we show you how much. You’ll get the full picture—ups, downs, and everything in between.

What We Offer

Money Mindset

Money isn’t just math—it’s emotion, habit, and sometimes, a little baggage. We dig into the real reasons people stay stuck, like fear of messing up or never learning how to begin. You’ll get tools for shifting how you think, tips for handling money disagreements (especially with partners), and ideas for raising financially confident kids. It’s not therapy—but it’s definitely therapeutic.

Grow Wealth

You don’t need a finance degree to build assets. What you need is a game plan that fits your life. Whether it's low-maintenance investing, creative real estate moves, or letting compound interest do the heavy lifting, we walk you through step-by-step—with timelines, tradeoffs, and realistic expectations. No crypto hype. No magic formulas. Just smart moves that actually work.

Financial Toolkit

This is the part no one wants to talk about, but it’s what makes or breaks your financial future. We cover how to structure your banking, boost your credit, protect yourself with the right insurance, and legally lower your tax bill. It’s the foundation under everything else. Not flashy, but powerful when done right.