Tessa Ray

Tessa Ray is a personal finance writer, educator, and former Wall Street analyst based in Denver, Colorado. After growing up in a paycheck-to-paycheck household, she dedicated her life to making sense of the financial world — and helping others do the same. She now specializes in simplifying money topics for everyday readers, covering credit, debt, savings, and real-world budgeting strategies with a focus on clarity, confidence, and compassion.