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r/povertyfinance rules, stats, and what to post

A source-backed Rankhog guide to r/povertyfinance: public rules, community context, posting fit, and startup-promotion risk before you publish.

By Anthony Riera, founder and operator of Rankhog.

Subreddit guides combine public Reddit source URLs, captured rules, visible verification dates, and Rankhog's account-safety workflow.

Current public stats

Members
2,919,146
Verified
September 18, 2026
Category
Personal finance and investing communities

Rules can change, so Rankhog keeps verification dates and the original public Reddit sources visible.

Rule summary

  • Civility: Be civil and respectful
  • Off-Topic: Off-topic posts will be removed.
  • Illegal or Immoral Advice or Action: All content must be ethical and moral. Posts advocating theft, or practices that in any way exploit or harm others (criminal or not) will be removed.
  • Politics: This is not a place for politics, but rather a place to get advice on daily living and short-to-midterm financial planning. Political advocacy, debate, or grandstanding will be removed.
  • Ableism/Bigotry/Classism (poor shaming)/Racism/Sexism: Racism, sexism, classism, or any other inherent bias will not be tolerated. Any comments/posts stating or implying that the reason that people are poor is because of personal decision making or that people in poverty "deserve" to be in poverty will be removed.
  • Judgment: No judgment on how people got to where they are at. Regardless of if someone was simply born into poverty, or earned it through drug use, criminal activity, gambling, having a lot of kids, working for LuLaRoe, etc. We're focused on the road forward, not the past.
  • Gatekeeping: No gatekeeping. This sub is for anyone who self identifies as struggling financially or as financially insecure.
  • Bad, Dangerous, or Predatory Advice or Action: Advice, action, and comments must be in good faith. Anything that appears to be a scam, predatory, or downright dangerous will be removed. This includes most "get rich quick" schemes and DM requests to "help".
  • Disclose Affiliations: Links to websites outside of Reddit: The titles of these posts must have clear, accurate titles, misleading or vague titles will be removed. URL shorteners are not permitted. Referral links, or links to your own content (whether monetized or not) are permitted. **You need to disclose if you have an affiliation with a site or service you are linking to. You must disclose referral links and provide a non-ref link as well, no exceptions!** During the Holidays referral links are not permitted.
  • Soliciting/Offering Donations or Loans: No soliciting, offering, or accepting public or private donations, loans, or crowdsourcing. All aid given must be in the form of information or advice.
  • Value Judgment: Unsolicited advice must be generally respectful of people's right to determine their own values, free of assumptions and judgments, and in otherwise fitting with the rules, guidelines, and spirit of the sub. This includes posts flaired as "Vent/Rant" where any advice/judgment is prohibited as these are reserved as posts where users can simply express themselves.
  • Bot: Bots will either be sent to the jawas or transported into the upside-down and fed to the demogorgons, at moderator discretion.
  • Mod Needed!: Please use this if a post is going off the rails and mods should review immediately
  • Accurate Flair: Use this to report a post that is missing or has inaccurate flair so the mods can apply the correct post flair.

Works well

  • A detailed frugality tip or resource guide that genuinely helps low-income users, with no affiliate links at all.
  • A link to your own free tool or resource with a clear title and an explicit disclosure of your affiliation, plus a non-referral link.
  • A personal story about financial struggle and recovery that offers practical takeaways for others in similar situations.
  • A post sharing free or low-cost financial planning resources, clearly titled and fully disclosed under the affiliate rule.

Avoid

  • Do not ask for money, offer loans, or solicit donations in any form, public or private.
  • Do not post political advocacy, debate, or grandstanding.
  • Do not give advice on posts flaired as Vent or Rant, as those are reserved for users to express themselves.
  • Do not use URL shorteners in your links.
  • Do not post referral links during the Holidays.
  • Do not imply people are poor because of personal decisions or that they deserve to be in poverty, as this violates the Ableism/Bigotry/Classism (poor shaming)/Racism/Sexism rule.

What r/povertyfinance Is For

This community is a support group for people who self identify as struggling financially or financially insecure. People post to share financial advice, frugality tips, stories, opportunities, general guidance, and emotional support. The community is built around the idea of no judgment and a focus on the road forward rather than how someone got to where they are.

Rules That Matter Before Posting

The rule called "Off-Topic" means your post must fit the community's purpose of financial advice, frugality, stories, opportunities, and emotional support. The rule named "Disclose Affiliations" is the one that decides whether a marketing-adjacent post survives, because it explicitly permits referral links and links to your own content as long as you disclose your affiliation and provide a non-referral link. The rule called "Soliciting/Offering Donations or Loans" blocks any post that asks for or offers money. The rule named "Bad, Dangerous, or Predatory Advice or Action" will catch anything that looks like a scam or a get rich quick scheme. The rule called "Value Judgment" means you cannot give unsolicited advice on posts flaired as Vent or Rant. The rule named "Politics" removes any political advocacy or grandstanding. The rule called "Ableism/Bigotry/Classism (poor shaming)/Racism/Sexism" removes anything that implies people deserve to be poor.

What To Post

A good post here is genuinely useful financial guidance or a frugality tip that helps someone who is struggling. If you are linking to your own content, your title must be clear and accurate, you must disclose your affiliation, and you must include a non-referral link alongside any referral link. The content should be practical, respectful, and free of judgment about how people ended up in financial difficulty. A founder who has built a tool or resource for low-income users could share it here if the post reads as helpful information rather than a sales pitch.

What To Avoid

Avoid anything that violates the rule called "Soliciting/Offering Donations or Loans" because even private offers of money will get you removed. Avoid political posts under the rule named "Politics". Avoid any advice that could be seen as predatory or dangerous under the rule called "Bad, Dangerous, or Predatory Advice or Action", which includes get rich quick schemes and DM requests to help. Do not give advice on Vent or Rant posts, as the rule named "Value Judgment" prohibits it. Avoid URL shorteners and vague or misleading titles, since the rule called "Disclose Affiliations" requires clear, accurate titles. Do not post referral links during the Holidays. Avoid any statement that implies people are poor because of personal decisions, as the rule named "Ableism/Bigotry/Classism (poor shaming)/Racism/Sexism" will remove it.

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Common questions about r/povertyfinance

Can I post a link to my own content or a referral link?

Yes, but you must disclose your affiliation and provide a non-referral link alongside any referral link. No referral links during the Holidays.

Can I offer financial help or donations to users here?

No. The rule called Soliciting/Offering Donations or Loans prohibits all forms of soliciting, offering, or accepting public or private donations, loans, or crowdsourcing. All aid must be in the form of information or advice.

Can I give advice on a Vent or Rant post?

No. The Value Judgment rule says posts flaired as Vent/Rant are reserved for users to express themselves, and any advice or judgment is prohibited there.

Can I discuss politics if it relates to poverty policy?

No. The Politics rule removes political advocacy, debate, or grandstanding. The community is focused on daily living and short-to-midterm financial planning.

What kind of content fits this community?

The community is a support group for people who self identify as struggling financially or financially insecure. Your post should offer financial advice, frugality tips, stories, opportunities, or general guidance that serves that audience.

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