Tiffany ‘The Budgetnista’ Aliche offers financial freedom for free through her Live Richer Challenge. You can also get more extensive budgeting and finance help with membership in her Live Richer Academy. Please read this before taking her advice.

It’s important to be mindful of where you get advice from, especially when it comes to your finances. The internet connects us with thousands of financial experts and their resources in just minutes. But how do you know who to listen to?

One popular personal finance resource is Tiffany Aliche, known as the Budgetnista, and her financial literacy programs. In this post, we’ll discuss why you may want to consider taking your finances to the next level with the Live Richer Academy and break down how the program works.

Let’s start by exploring the person behind the brand and the initiative to live a richer life.

Who is The Budgetnista?

Tiffany Aliche, also known as The Budgetnista, seemed to start out on the right path financially.

In 2009, she purchased her first car in cash at the age of 22. She even went on to save $40,000 in just 2.5 years.

Then the recession hit and Tiffany lost her teaching job and her home. She slipped into debt after falling victim to a scam that would cost her a whopping $35,000.

Hitting rock bottom financially didn’t leave Tiffany feeling completely hopeless. Instead, she realized that she had the financial education to get back on her feet.

She grew up in a household where her parents were always talking about money and including the whole family in regular household budget meetings.

The Budgetnista is dedicated to helping women live fuller and richer lives through financial education.

Tiffany used this experience and her love for teaching to launch, The Budgetnista, a financial education site and resource geared toward helping women live a fuller, richer life.

Tiffany has gone on to help over 800,000 women worldwide collectively save more than $100 million and pay off over $75 million in debt.

She has written multiple books, including; Live Richer Challenge Savings Edition, Live Richer Challenge Credit Edition, Live Richer Challenge Net Worth Edition, The One Week Budget, Live Richer Homebuying Edition, and the Live Richer Challenge.

She does have a small presence on YouTube, unlike the Credit Repair star Brandon Weaver who we also highly recommend.

The Budgenista Live Richer Challenge

Most of Tiffany’s books are available on Amazon. They may be included in your membership or can be accessed for free on her websites.

It’s my greatest desire to see people live richer lives and I truly believe that one of the most effective ways to do so is to provide access to the tools and resources they need

Tiffany Aliche

The Live Richer Academy Overview

#Livericher is a movement coined by The Budgetnista. Her goal is to make financial education obtainable and easy to understand.

The Live Richer Challenge is a free challenge designed to help women get on the right path when it comes to reaching financial goals.

If you want to get even more results and take your financial education to the next level, we highly recommend you consider joining the Live Richer Academy™.  (We have no affiliation.)

👉 The Live Richer Academy is an online program that includes live sessions, pre-recorded classes, easy tasks, and worksheets to help you equip yourself to manage money well and reach important financial milestones long-term.

Tiffany has branded her students as her “Dreamcatchers”.

#LiveRicher movement in numbers

Dreamcatchers get access to over 50 top financial experts. They will walk you through every stage of your journey and help you live richer.

👇 You can go through the course at your own pace and cover lessons about mindset, financial fundamentals, paying off debt, increasing your credit score, investing and estate planning, and more.

Live Richer Academy course list

Members also get access to a private Facebook group to interact with other women, share tips, get advice, and support each other.

The Live Richer Academy Facebook group currently has over 27,000 members.

If you need support, The Budgetnista has a full team she refers to as the “Unicorn Squad” to provide program and technical guidance.

Live Richer Academy Reviews

The Budgetnista’s site is overflowing with reviews and praise about her programs.

Past and current students say that they’ve been able to rebuild their credit, save for a down payment on a home, increase emergency savings, and even start helping their family as well.

⚠️ Be Careful!
The Live Richer Academy Reviews are clear that this is not a get-rich scheme or a quick fix to all of your financial problems. The Live Richer Academy is focused on teaching you budgeting and personal finance skills that can be used for a lifetime.

One of the Live Richer Academy reviews that stood out a lot is from a woman named Brandy who had been able to reach several financial milestones as a result of joining the academy.

I purchased my first home, decreased my student loans & paid off my credit card debt with the help of the Live Richer Academy.


By applying what Tiffany and other financial experts in the program teach, she’s been able to:

  • Purchase her first home.
  • Get promoted and significantly increase your income.
  • Decrease her student loan balance.
  • Pay off her car.
  • Pay off all credit card debt.
  • Maintain an 800+ credit score.
  • Pay for her daughter’s private school tuition.
  • Budget and save for vacations without incurring any debt.
  • Purchase life and disability insurance.
  • Get her estate planning in order.
Live Richer Challenge logo

What Does The Live Richer Academy Cost?

The Live Richer Academy™ is an affordable membership program that is priced to fit anyone’s budget.

  • Monthly Membership: $29.99
  • 6-Month Membership (Get 1 Month Free): $149.95
  • Annual Membership (Get 2 Months Free): $299.90

You can cancel at any time and will get a 30-day money-back guarantee with a 6-month or annual membership.

👉 The Live Richer Challenge is free and includes much more limited access to ways to improve your finances. If you find these resources effective, we’d recommend you consider signing up for the Live Richer Academy monthly membership.

Who Shouldn’t Take the Budgetnista’s Advice?

Is there anyone who isn’t a great fit for Tiffany Aliche’s teachings?

This is a tough one.  From the outside, it may appear that Tiffany focuses on introductory personal finance topics.

This is true.  She teaches a lot of beginner topics such as:

  • How to build your credit score
  • How to create a budget
  • Paying off debt and student loans

But in her Live Richer Academy, she also offers a ton of value for people at any stage of their financial life.

The Budgetnista website

She includes some pretty advanced topics like:

  • Mastering your taxes
  • Getting paid as a speaker
  • Getting funding/grants for non-profits
  • and getting your name or brand in the press

As you can see, there’s something for everyone.

My only word of caution would be to men.  While men are present in Tiffany’s Facebook groups and have bought her courses, they are definitely in the minority, since Tiffany focuses her message predominantly on women.

That being said, men are absolutely welcome, but they may feel just a little bit outnumbered.

How To Cancel Live Richer Academy

You can cancel your membership at any time by contacting Tiffany “The Budgetnista” Aliche through their website or email.

Cancellations will go into effect immediately and you will not be billed again, however, you will not receive a refund on any money already paid.

Live Richer Challenge: Credit Edition

Is There a Catch?

What you see is what you get with the Live Richer Academy. It’s a self-paced program that you can work through on your own time.

In order to get results, you have to do the work and take the action steps recommended by the professionals.

There’s no way around putting in the time and effort to improve your finances.

☝️ Quick Tip:
Don’t expect to complete the Bugetnista’s Live Richer Academy overnight. Pace yourself and allow the process to work over time.

The only potential downside is the Live Richer Academy is not open for enrollment year-round.

Enrollment opportunities occur during certain times of the year so if you’re interested in the program, you’ll want to jump on the opportunity.

The one week budget by The Budgetnista

Who Should Join The Live Richer Challenge?

If you’re looking for community, expert advice, and accountability when it comes to reaching your financial goals, The Live Richer Academy is one of our top choices.

They have dozens of personal finance experts on hand to give advice and keep you accountable for the program.

The investment is small but it could make a huge impact on your life.

👉 Many graduates report that they were able to stop living paycheck to paycheck, improve their credit score, and reach major goals like starting a business or maxing out their retirement savings.

Conclusion – We Heart Tiffany Aliche

In conclusion, can you trust Tiffany Aliche?

Our definitive answer is “Yes!!”

Tiffany has proven her expertise and been featured on sites like MSNBC, The New York Times, Forbes, as well as several television programs to share actionable tips people can use to improve their finances.

Most importantly, she has a passion for personal finance and teaching so members of the Live Richer Academy are certainly in good hands.

Learn more about the academy here and be sure to check out some of the inspiring testimonials from past and current members.

Live Richer Challenge: Homebuying edition

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Yolanda L.
Mar 30, 2021 10:55 pm

I cancelled my membership in 2020 for 2021 and my card was still charged $299.90. If I understand correctly, I still won’t get a refund?

Aug 27, 2020 3:36 pm

Thank you for your review and research, helpful in helping me make a decision.

Tristan Frazier
Jun 28, 2020 1:42 pm

Thanks for this article! I appreciate your research and honesty.

Holly Pittman
Jun 21, 2020 10:02 am

Im always overly skeptical with pet selling products or courses on money management. The only exception I give are courses provided at colleges wherein students are taught but seasoned professionals such as economists, financial analysts, money managers, tenured or adjuncts because you get much more bang for you buck and that is college crest.
Sure Ms. Aliche does good work from what I see but at a good glance people like herself who do help people, make money by selling products like an MLM.
I am an licensed educator in Finance, Economics, and Law. One of THE first things I teach my students is to minor in business. They will get everything that Ms. Aliche, Suze Orman, etc will teach for much less plus college credit and real credentials on their resumes.

Chris Huntley
Jun 25, 2020 7:33 pm
Reply to  Holly Pittman

Hello Holly, thanks for commenting. I think this is a highly skeptical viewpoint and I’d like to argue it. Ms. Aliche has helped thousands of people. I’m in her FB group and she literally walks on water. People share in there daily that they were able to finally pay off their last credit card, buy their first home, improve their credit score. These are major personal finance wins. Also, I don’t understand your comment about education. Her material costs pennies on the dollar compared to higher education.

Jul 6, 2020 6:04 pm
Reply to  Holly Pittman

Hi Holly. I have to disagree with you here. I majored in business in undergrad and have an mba from a top business school in the country. I‘m sorry but I learned everything I know about personal finance from outside of school. Granted I can read a 10k report, balance sheet and I know what EBITDA stands for…. this doesn’t get me very far in the most practical of senses. Susie Orman was a Godsend in HS when we should be masters of personal finance not after we put ourselves in hundreds of thousands of dollars in student debt loans from “the worlds best schools”.

Basically in my opinion and that of my peers is the college credit you get from schools or the degree simply isn’t worth the squeeze. You can literally learn all you need to learn about personal finance and investing by authors like Susie Orman, Ramit Sethi or in this case the Bugenista. It’s just the reality of our current day.