Managing Money With ADHD/Neurodivergence – EP 390

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While there’s beauty in your uniqueness, navigating a world yet to be designed for you can be quite challenging. In this episode, Jen and Jill discuss the struggles of a neurodivergent when it comes to personal finance and some helpful tips to manage your money. Flaunt your edge and claim the power you have over the system!

There isn’t a one size fits all and just because you don’t fit the typical ways doesn’t mean you can’t be good at managing your money well.


  • What? Sorry, I was distracted. I get distracted a lot. While I don’t necessarily think this is a clinical diagnosis, I do find it really helpful to have continual reminders on how to best spend money and how to stay on track. And the Friendletter is the way I do it when I can’t listen to the podcast (personally, I don’t listen to the podcast because I don’t want to hear myself speak). But if it’s you saying this, the Friendletter is our 3 times-a-week newsletter where we motivate and help you with all kinds of things to keep you focused and on track on managing your finances.

Supporting neurodivergent people in personal finance

This article by Money Geek is a great foundational piece discussing neurodivergence and its impact on one’s management of personal finances.

What Jen + Jill have to say:

Jill highlights neurodivergence’s common difficulties in handling their personal finance, such as understanding loan terms and financial jargon, and that they’re susceptible to becoming victims of fraud. There is also a huge impact of impulsivity and procrastination associated with conditions like ADHD on financial tasks.

Jen focuses on budgeting as a major challenge, suggesting personalized budgets tailored to individual needs rather than striving for perfection. Trying the 90-day inventory challenge can be a great way to track your expenses, but do it one step at a time. If you’re unmotivated, try doing at least one task toward the right path. Let’s get 1% better each day.

Money Management Tips From A Neurodivergent Financial Expert

This article by Unmasked shares money management tips from a neurodivergent, Tanisha Cro, who works in a space helping others to manage their finances too.

What Jen + Jill have to say:

Jill discusses the observations mentioned by the author of the article from working with neurodivergent clients, such as struggles with administrative tasks, amplified emotions around spending and saving, impulsivity, and difficulty planning for future expenses. It’s important to find personalized approaches to financial management and simplify tasks rather than organize them. Adding friction to purchases to reduce impulsivity, such as removing bank accounts from your favorite shopping sites, and regularly reviewing your financial habits will help you become better at managing your money.

Jen highlights the financial impact of ADHD and encourages making intentional, incremental changes to improve financial habits.Simplifying decision-making processes and finding someone who can celebrate your successes or simply seek guidance from are great starters to making intentional choices in your everyday spending. Remember that you are entitled to have the system work for you, as you are the one with money.

What do you struggle with the most when it comes to managing your money?

Jen and Jill have so much in common, but not on this one. Jill struggles with hyper-focus. While Jen ignores (almost) everything.

Bill of The Week

Thank you Becky from Madison, WI, for sharing your bill about your insurance bill that you had a sinking fund for! AND statement credit for this type of bill!

Thanks so Much for Listening!

Thanks so much for listening. Many of you know we have a newsletter called The Friendletter that goes out 3x a week where we send out freebies, saving tips, and life hacks to help you save money. We want to give a shout out to this friend for replying to us this sweet email:


The (no spend) challenge was so helpful I am extending it another month. Thank you. 🙂

Thanks for listening if you want freebies, saving tips, and values-based spending hacks sent to your inbox every week head to our website to get the goodies! And if you already get the Friendletter start sharing it with your friends to get more free goodies!

And don’t forget to share your favorite quote from the episode by using the hashtag #FrugalFriendsNote. 😉

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