Personal Finance Writer and Author


Florida College of Integrative Medicine, University of Central Florida AA


  • Paid off $78,000 of debt in two years without a high salary. Her story has been featured in The Wall Street Journal, Money Magazine, Women's Day, and more.
  • Author of the three books including the Amazon best-seller, The No-Spend Challenge Guide.
  • Former staff writer for The Penny Hoarder, the Inc. 5000 #1 fastest-growing private media company in 2016 and 2017. Current writer for multiple top-ranking financial websites.


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 paying off $78,000 of debt in two years without a six-figure income she's been teaching others how to navigate student loans, pay off debt faster, and become comfortable with investing through her website, Modern Frugality, and episodes of the Frugal Friends Podcast. 

Jen is the author of three books: The No-Spend Challenge Guide, Meal Planning on a Budget, and Pay off Your Debt for Good. Her seasonal course, 5 Weeks to $500, has helped hundreds of students take control of their spending habits to free up more cash to pay off debt and invest.



Jen earned her AA from the University of Central Florida. She earned her BS in Health Sciences and Masters in Integrative Medicine from Florida College of Integrative Medicine.