40+ Financial Acronyms – Which Are You?

INSIDE: Ever see financial acronyms and wonder what they mean? I’ve got you covered! Here’s as many as I could find and some for the financially passionate. Enjoy!

I got a good laugh the other day when a friend of mine shot me the following article that was too easy to click (thanks Trinnie!):

Here is your dumb new acronym for moneyed millennials: HENRYs

If you resisted checking it out right now, a HENRY is someone who’s “High Earning, Not Rich Yet.” I.E. a good problem to have. Unless you’re not rich yet due to spending all that high income you’re earning instead of saving and investing it. Which would then make you a HENRY BIAD – high earning not rich yet because I’m a dummy! ;) (You heard it hear first, folks)

The article dropped two other acronyms many of us are familiar with as well: DINKs and YUPPIES.

  • DINKs — “Dual Income No Kids”
  • YUPPIES — “Young Upwardly Mobile Professionals” <– I had no idea?

Of course after reading about all those financial acronyms, I had to put on my own gloves and get dirty with Google to dig up some other fun acronyms that may help define us more. And here is what I found…

Other Financial Acronyms:

  • DINKY — “Dual Income No Kids Yet”
  • DINKER — “Dual Income No Kids Early Retirement”
  • DINKWAD — “Double Income No Kids With A Dog”
  • DINKYANDE — “Dual Income No Kids Yet And No Dog Either”
  • SINK – “Single Income No Kids”
  • SIK — “Single Income Kids”
  • SILK — “Single Income Lots of Kids”
  • DIK (hah!) — “Dual Income Kids”
  • DEWK — “Dually Employed With Kids”
  • SITCOM — “Single Income Two Children and Oppressive Mortgage”
  • MUPPIE — “Middle-aged Upcoming Prosperous Professional”
  • KIPPERS — “Kids In Parents’ Pockets Eroding Retirement Savings”
  • SINBAD — “Single Income No Boyfriend And Desperate”
  • GLAM — “Greying Leisured Affluent Married”
  • PODWOG — “Parents of Dinks WithOut Grandchildren”
  • WOOF — “Well Off Older Folk”

Who knew! I’m particularly fond of WOOFs, DINKWADs and KIPPERS, haha… that’s pretty creative. But do you know who’s more creative than that? Me.

The above may help explain the factual sides of our finances, but as you know I’m more of an emotional type of money guy and have a penchant for a bit more flair. The marital and kid status is fine, but I want to hear about the passion, dammit!

So I present to you, FINPONYMS — “Financially Passionate Acronyms”

  • BOB — “Baller On a Budget!”
  • DINGLEDOR — “Dingleberry Debtor”
  • PIF — “Passive Income Freak”
  • FIGMY$HIT— “Finally Got My $hit Together!”
  • SEXPLOY — “Sexy & Unemployed”
  • DIVYER— “Dividend Destroyer”
  • CRAFORP — “Crazy For Rewards Points”
  • NOBUDNOC — “No Budget No Care”
  • MOHO — “Money Hoarder”
  • HUN — “Hustler Unleashed”
  • SISPIT — “Single & Spending It”
  • ISNOB — “Indexer Snob”
  • PX3U — “Proud Penny Picker Upper”
  • FRUCLASSITY* — “Frugal and Classy”
  • FULLTRASH — “Full Timer Rocking a Side Hustle”
  • FREEDLER — “Freedom Lover”
  • MILLIONAIRING — “Millionaire In Training”
  • DIVFROD — “Divorced From Debt!”
  • FIRE ANT — “F.I.R.E. Antagonist”
  • SFL — “Spreadsheets For Life”
  • CAFLOK— “Cash Flow King”
  • STARFROTBONWEH — “Started From The Bottom Now We Here”

And then there’s YOLO, FOMO, FONSY and IDYTAM of course too (“I Dare You To Acronym Me!”) – of which I only made up one ;) But see how descriptive these are? Who cares if you’re a PODWOG?

financial acronyms

As you can see, only serious stuff going on here today… But at least you’ll have some good fodder for the bars or dinner table tonight. Go around playing WAAY – “What Acronym Are You?” – it’s fun!

Here, I’ll start: which financial acronyms are you? Or do we need to make up some more?? (Please say yes, please say yes…)

*Fruclassity was actually coined by two of my friends, Ruth and Laurie, who just launched a new site around this way of life. If you’d like to learn more about it or join their new kick-ass community, visit them at Fruclassity.com.

***UPDATE*** Here are some other clever ones people have left in the comments ;) Some are good!!

  • RECOSU — “Reformed Consumer Sucka”
  • DIWAHs — “Dual Income Want A House”
  • NERD — “Nice Earnings Ridiculous Discipline”
  • WIMP — “Wonderful Income Missing Perseverance”
  • SASWO! — “Saving to See the World!”
  • GROW — “Getting Rich Over a While”
  • AFRO — “Awesomely Frugal Reinforcement Officer”
  • DIRD —  “Decent Income, Ridiculously Disciplined”
  • TWERP – “Tightwad With Early Retirement Plans”
  • PITCHER — “Passive income, two children, early retirement”
  • MINKY — “Multiple Income No Kids Yet”
  • WOBANOWA — “Won’t Buy Anything – Not Worth Advertising To”
  • MACFORDIVNPIFF – “Middle aged cash flow originator realizing dividends and passive income for freedom”
  • MILF – “Money Intense Loving Family”

And so we don’t leave out the LGBT demographic (written by someone with authority :)):

  • GILTD – “Gay, Investing, Living The Dream”
  • GABAWD – “Gay, Broke but Well Dressed”
  • LAB – “Lesbian and Broke”
  • FILL – “Financially Independent Lipstick Lesbian”

PS: This also reminds me of our “RICH BITCH” book giveaway. A term that’s not really an acronym, but according to it’s author, Nicole Lapin, means “A woman who empowers herself by taking control of her finances in order to get what she wants in life.” Which I absolutely love. Even though I lost approx. 30+ readers because of all the cursing going on – hah! Anyways, big congrats to our two winners of signed copies of this new book: Heather (commenter #23) and Eliza Pelham Randall. Enjoy ladies!

[Dollar bills cred: frankieleon // FOMO by quickmeme.com]

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  1. Clarisse @ MMYW March 20, 2015 at 5:52 AM

    I think I would go to “SIK”. :) All the acronyms are amazing, especially the FIGMY$HIT.

  2. Prudence Debtfree March 20, 2015 at 6:56 AM

    How about RECOSU (Reformed Consumer Sucka)?
    (Thank you for mentioning Fruclassity : )

    1. J. Money March 20, 2015 at 12:47 PM

      totally adding that to the list – hah!

  3. Sarah March 20, 2015 at 6:58 AM

    I think we’re DINKs, but more specifically “DIWAFs” -Dual Income Want A Farm. Normal people might be DIWAHs-Dual Income Want A House. Or maybe DISH-Dual Income Saving (for a) House? This is a good game :p

    1. J. Money March 20, 2015 at 12:54 PM

      You and Mrs. Frugalwoods down below would be good friends! :)

  4. Mrs. Frugalwoods March 20, 2015 at 7:16 AM

    Bahaha… We’d be DINKYBODERAHS (that’d be Dual Income No Kids Yet But One Dog Early Retiring to A Homestead). I’ll start including this in my signature line.

    1. J. Money March 20, 2015 at 12:55 PM

      “Ask me why I’m a DINKYBODERAHS”

      Haha… great convo starter in email!

  5. Dee @ Color Me Frugal March 20, 2015 at 7:29 AM

    My favorite is MOHO! I’m definitely working on being one of those…

  6. Taylor Lee @ Engineer Cents March 20, 2015 at 8:17 AM

    I’d say I’m probably a MOHO SINK.

    Sounds fancy when I say it out loud. Like I belong in West Elm.

    1. J. Money March 20, 2015 at 12:55 PM

      It does doesn’t it!

  7. Dave March 20, 2015 at 8:19 AM

    These are awesome! I could be a NERD (Nice Earnings Ridiculous Discipline) or a WIMP (Wonderful Income Missing Perseverance), or for the adult boys still playing video games in the basement: Wicked Income Mommy Pays!

    1. J. Money March 20, 2015 at 12:56 PM


      and more YES

  8. Stephen @ HowToSaveMoney.ca March 20, 2015 at 8:19 AM

    Lord have mercy, this is worse than being a software developer – a job I left to escape the acronyms!!

    1. J. Money March 20, 2015 at 12:56 PM

      You’re welcome ;)

  9. Stefanie @ The Broke and Beautiful Life March 20, 2015 at 8:20 AM

    haha this is hilarious. I guess my traditional standards I’m a SINK, but I prefer your- FIGMY$HIT– “Finally Got My $hit Together!”, SFL — “Spreadsheets For Life”, and MILLIONAIRING — “Millionaire In Training”

  10. Kim @ Money Under the Cushions March 20, 2015 at 8:22 AM

    Okay- there’s a lot of those I’d like to be. Since I’m not yet making money from my new gig I guess that makes me SEXPlOY. Buy hey, that doesn’t mean I can also classy right? So I’m also FRUCLASSITY. Ha. Happy Friday.

  11. EL March 20, 2015 at 8:28 AM

    This post was way too serious for a Friday J. My favorites are BOB, PIF, and DINGLEDOR. (Funny Stuff) IF I release my acronym someone might steal it, oh well here it is. MacForDivnPiff -Middle aged cash flow originator realizing dividends and passive income for freedom. If anyone steals it I’ll be highly annoyed, but I least I created it here first for the world to see. Have a good weekend acronym junkies.

    1. J. Money March 20, 2015 at 12:57 PM

      I’m going to update my list above to include it, so don’t be surprised if CNN calls you up for an interview this weekend! ;)

  12. Laurie @thefrugalfarmer March 20, 2015 at 8:35 AM

    Another awesome article, full of laughs for a Friday morning – thanks, friend. And thanks for the plug for Fruclassity. :-)

  13. Kate@GoodnightDebt March 20, 2015 at 8:52 AM

    DINK MOHO here! SaSWo! –> Saving to See the World!

    And always SFL.

    1. J. Money March 20, 2015 at 12:58 PM


      Good one!

  14. Chris @ Flipping A Dollar March 20, 2015 at 9:02 AM

    When I read this I thought of one. Getting Rich Over a While (GROW). We’re growers, not show-ers!

    1. J. Money March 20, 2015 at 12:59 PM


  15. Brian @ Debt Discipline March 20, 2015 at 9:15 AM

    Love the lists! We’re DIVFROD — “Divorced From Debt” and DIK — “Dual Income Kids”

  16. Elise @ Simply Scaled Down March 20, 2015 at 9:16 AM

    HA! Thanks for the laugh! I like to think I’m a AFRO Awesomely Frugal Reinforcement Officer (i.e. cheap, hardass mamma!)

    1. J. Money March 20, 2015 at 12:59 PM


  17. John @ Frugal Rules March 20, 2015 at 9:19 AM

    Ha ha, this is awesome sir! We’re SEWKs – Self-Employed with Kids & CAFLOKs

  18. Jon @ Money Smart Guides March 20, 2015 at 9:19 AM

    When I worked for a financial planning firm, we had a ton of doctors as clients. Most of those guys were HENRYs – while they no longer had student loans, they all had huge houses with million dollar mortgages on them. The money they did have was socked away in retirement accounts and they rarely had savings outside of them.

    1. J. Money March 20, 2015 at 1:00 PM


  19. Lauren March 20, 2015 at 9:21 AM

    clearly figmy$hit is the best….new favorite…. Perhaps I’d be a Sink?

  20. Stephanie March 20, 2015 at 9:26 AM

    Thank you for the morning laugh – I needed it today :) Happy to say I am a proud FIGMY$HIT and on track to being DIVFROD before the end of the year.

    So – which ones are you?!

    1. J. Money March 20, 2015 at 1:02 PM

      A SIK and FREEDLER :)

      And of course MILLIONAIRING too…

  21. Mrs. Maroon March 20, 2015 at 9:35 AM

    I have to say that SFL is my favorite! What other community could even begin to relate to such an absurd, but so very true and delightful state??

  22. Alyssa Windell March 20, 2015 at 9:57 AM

    This is absolutely amazing. The acronyms are endless! I’d have to say my fiancé and I are the mash-up of DINKY BOBs: Dual Income No Kids Yet Ballers on Budgets! Ha! Now it’s time to go write our own rap. :) Thanks for the laughs this Friday!

  23. Fervent Finance March 20, 2015 at 9:59 AM

    I’m a SINK… and a BOB I think… please no more acronyms. I’ve had enough of those and office jargon.

  24. connie kolita March 20, 2015 at 10:32 AM

    Hysterical. As others have mentioned, FIGMY$HIT is top notch!

    Maybe I’ll call myself a DIRD: Decent Income, Ridiculously Disciplined :)

    Keep rockin’ it J!

    1. J. Money March 20, 2015 at 1:03 PM

      You got it, DIRD :)

  25. Chris March 20, 2015 at 10:58 AM

    TWERP – Tightwad With Early Retirement Plans

    1. J. Money March 20, 2015 at 1:04 PM

      That might be my favorite yet :)

  26. Kayla @ Femme Frugality March 20, 2015 at 11:31 AM

    Some of these really cracked me up, haha. Thanks for sharing some financial humor with us today.

  27. Frugal Buckeye March 20, 2015 at 11:40 AM

    So I guess that means I’m a DIKWAD? Dual Income with kids and a dog?

    I don’t think I like this game :(

    1. J. Money March 20, 2015 at 1:04 PM

      I think that’s what I’m going to call you from now on :)

  28. Nic March 20, 2015 at 11:46 AM

    I’d say the HENRY title fits….and along with it a NOBUDNOC. We’re at the point where we want to enjoy the money we earn, so I try not to limit our spending with a budget, however I also make sure we save plenty, whether it be in a cash stash, a bank account, 401k, investments, etc…so maybe a little MOHO mixed in there.

    The one I’d like to add is

    DISK – Dual Income Single kid

    Just had our first and now that I read this article it’s settling in that I’m no longer a DINK!

    1. J. Money March 20, 2015 at 1:06 PM


      Same happened with my old blogger friends over at DINKsFinance.com :)

      They’ll have to change their site – hah.

  29. middle class March 20, 2015 at 11:48 AM

    I LOVE This! I’m a SFL kind of gal.

  30. Erika March 20, 2015 at 11:56 AM

    SINBAD!!! totally me…but only moderate desperation. rofl . also love FIGMY$HIT!!! yesss

  31. Richard Anthony March 20, 2015 at 12:06 PM

    Great article, J$, which deserves far more time than I can give it now. But definitely you need to create MORE! In my haste, did I overlook any with the “D” word–Divorced? Off the top of my head, I’d say that I’m a DUMPPIE — “Divorced Upwardly Mobile Profit Pursuer In Extremis.” But I’ll have to give it more thought. We should talk!

    BTW, please check 3 new bills added today on Floor 62 of our website: #32, #34, #41 — I think you’re gonna like ’em;)

    1. J. Money March 20, 2015 at 1:09 PM

      Very cool!!

      Thanks for all the links back to Coin Thrill too – my poor site doesn’t get as much attention as my others so it thanks you kindly! :)

      1. Richard Anthony March 21, 2015 at 12:54 PM

        YW on the link-backs. Your coin site is a gem and definitely should get more attention because coins are an integral part of finance. Cash registers need change drawers! Come to think of it, why not let your BudgetsAreSexy readers know about “chop marks” because that beautiful C-note you featured on CoinThrill.com isn’t a coin! (#32 at link below).

  32. Chris March 20, 2015 at 12:08 PM

    Down in Texas we see a lot of DOINKs: Double Oil Income, No Kids

    1. J. Money March 20, 2015 at 1:10 PM

      I bet!

  33. Mrs. Marriage & Money March 20, 2015 at 12:49 PM

    We’re total DINK/Ys and are taking advantage of the NK to pay off loans and have fun as newlyweds!

  34. Reece March 20, 2015 at 12:50 PM

    Haha this is brilliant!
    Right now, the boring one that describes me would be: SINK. And the more entertaining would be STARFROTBONWEH. **I hope I got that one right. You know what I mean!

    1. J. Money March 20, 2015 at 1:11 PM

      Drake would be proud :)

  35. Christine @ The Pursuit of Green March 20, 2015 at 12:52 PM

    DINKWAD and a FRUCLASSITY! Lol what fun acronyms! Great read on a Friday morning!

    Happy Friday!
    Happy first day of spring!
    Happy Happinnnneeesss day!

    1. J. Money March 20, 2015 at 1:10 PM

      Huzzah! Looks like it’s treating you real well so far! :)

  36. Vawt @ Early Retirement Ahead March 20, 2015 at 1:54 PM

    I guess I am SIK, CRAFORP, and SFL. Like combining words into one, acronyms are getting out of control!

  37. Shannon @ Financially Blonde March 20, 2015 at 2:14 PM

    This is funny!! I guess we are DEWKs and practicing Fruclassists and I would also add DIFFFs – Double Income Fasttracking Financial Freedom

  38. LeRainDrop March 20, 2015 at 8:52 PM

    Ha, this was fun! I’m a SIK MOHO :-)

    1. LeRainDrop March 20, 2015 at 8:54 PM

      Oops, I didn’t mean make up magic children. I’m actually a SINK MOHO . . . . I’m going to reverse that and make it MOHO SINK.

      1. J. Money March 24, 2015 at 1:16 PM

        what’s wrong with magical children? :)

  39. Michelle March 20, 2015 at 10:40 PM

    In my life I’ve been a BOB, right now HUN it’s all about PX3U. But with a FRUCLASSITY spin, and I’m FULLTRASH now…but was SISPIT before :) Can’t wait until I FIGMY$HIT. LOL.

  40. Jayson @ Monster Piggy Bank March 21, 2015 at 6:04 AM

    Spreadsheets For Life (SFL) is what I like among those acronyms. This is what I have been doing to monitor each penny of mine.

  41. Lil' VEE March 21, 2015 at 8:16 PM

    Hillarious post! While I am officially a DINKWAD, I certainly fancy myself as a MOFO-WAP… that is, a MOFO With a Plan!


    1. J. Money March 24, 2015 at 1:17 PM


  42. Ramona March 22, 2015 at 4:09 AM

    Let’s say that, since I am not a native English speaker, some of the ‘official’ acronyms caught me off-guard. Fortunately I was able to learn at least few of them, so that I can make sense of what I read on these blogs :)

  43. Pengepugeren March 22, 2015 at 3:41 PM

    Don’t forget WOBANOWA: WOn’t Buy Anything – NOt Worth Advertising to

    1. J. Money March 24, 2015 at 1:17 PM

      Oooooh – yeah I like that one!

      Will add to my list above :)

  44. diane @smartmoneysimplelife March 22, 2015 at 4:59 PM

    Ha ha ha… love SITCOM – ‘cos I bet it isn’t. I also love FIGMY$HIT.

    Thanks for the laugh!

  45. weenie March 23, 2015 at 11:30 AM

    I’ve had occasion to be SINBAND (Single Income No Boyfriend And Not Desperate) recently!

    Love your FINPONYMS, haha – MOHO’s got to be the one to aim for!

  46. The Money Spot March 24, 2015 at 8:18 AM

    This article is freaking hilarious! :) MOHO for me!

  47. Young Millennial March 24, 2015 at 9:03 AM

    Ha! Love it! Thanks for the laugh this morning (and a a healthy dose of reality). DINKY here.

    1. J. Money March 24, 2015 at 1:18 PM

      Gotta make sure y’all don’t fall asleep around here ;)

  48. aj March 27, 2015 at 2:11 PM

    OMG, We are DIKWADs also…lol.
    that might just be TMI ;)

    1. J. Money April 2, 2015 at 1:40 PM

      This is why I love blogging so much :)

  49. David March 30, 2015 at 3:21 PM

    I’d always heard that YUPpies were Young Urban Professionals.

  50. Elaine April 1, 2015 at 2:13 PM

    I think you should start offering an optional login feature on your blog, and readers can create profiles w/ badges for the different acronyms, and track their different money goals.

    1. J. Money April 2, 2015 at 1:40 PM



  51. May April 1, 2015 at 6:33 PM

    Ah! I love this. I am (we are) a MILF = Money Intense Loving Family

    1. J. Money April 2, 2015 at 1:40 PM

      I’m totally stealing that.

  52. David of The Debt Free Guys April 4, 2015 at 11:12 AM

    You left out the whole LGBT demographic. So here are a couple…

    GILTD – Gay, Investing, Living The Dream
    GaBaWD – Gay, Broke but Well Dressed
    LaB – Lesbian and Broke
    FILL – Financially Independent Lipstick Lesbian

    1. J. Money April 6, 2015 at 1:39 PM

      Probably good you do these vs me :)

      Will update the list above! Gotta represent!

  53. Joe September 9, 2017 at 11:22 AM

    There’s an acronym in the medical world: #FOAMed – Free Open Access Meducation…Medical education for anyone, anywhere, anytime.

    I’m trying to come up with a similar acronym for the financial blogger world…
    #FOAFed… Free open access finducation…Financial education for anyone, anywhere, anytime.

    Anyone got any better ideas? :)

    1. J. Money September 11, 2017 at 10:31 AM

      Haha… WFYB!

      (Whatever floats your boat)

  54. Chuck Rittling February 16, 2018 at 8:50 AM

    what is the acronym for dual income with kids out of the house?

    1. J. Money February 16, 2018 at 10:03 AM

      “PARTY-TIME” ;)