Identical Twins On A Mission To Simplify Personal Finance

Hi everyone, we are The Finance Twins!

We grew up poor while being raised by a widowed mom in Minnesota. Our dad passed away after a courageous battle with cancer when we were only 7 years old.

Like so many of you, the healthcare bills from his cancer treatments set our family back a generation. Put simply, we grew up in poverty.

In fact, we both got jobs the day we turned 15 to help pay the bills at home. We were laser-focused in trying to help our mom.

After our dad died, our extended family in Colombia (where we were born) pleaded with mom to take us back so that they could help her care for us. They said she wouldn’t have to work three different jobs like she did in the U.S. just to keep a roof over our heads and put food on the table, because they would help her.

After our last visit to Colombia after our dad died, our mom didn’t think twice before boarding the plane back to the U.S. fully aware that she’d struggle to provide for us here. She had made a promise to our dad to continue to raise us in the U.S. and she had no plans not to keep her word. She knew her three boys would have many more opportunities here in America.

Whenever we are tired or feeling unmotivated, we simply think back to that plane ride.

We still remember boarding the airplane after walking up the stairway on the tarmac, my mom leading her three sons as if we were soldiers heading to battle.

‘Battle’ might have been an understatement for the road that lay before us.

Shell-shocked from the death of our dad, we still remember the red plaid blankets on that airplane. We used them for a decade to stay warm during the long Minnesota winters. We lived under the poverty line for years, but her decision to bring us here changed our lives forever.

the finance twins portrait

Five university degrees between her three sons, we ended up being just fine. Multiple Ivy League degrees, an M.D. from the most selective medical school in the country, and thriving careers.

Blessed is probably more accurate. It’s been a wild of a journey from those early days of alternating between eating canned tuna, ramen noodles, and frozen hot dogs.

As we got older we realized that we didn’t know the first thing about how to start investing or how to get excellent credit.

Most people think money is confusing unless you are an accountant. We used to think that too.

After working incredibly hard and catching several lucky breaks, we realized so many people are looking for ways to learn about personal finance, how to manage money, and how to get out of crippling debt.

This site is dedicated to helping you become proficient at managing your money and master the basics of personal finance.

We have tons of tools and resources, as well as countless articles that have everything you need to start your path to financial freedom.

Camilo Maldonado

Prior to starting The Finance Twins, Camilo earned a bachelor’s degree in finance from The Wharton School of the University of Pennsylvania and a Masters in Business (M.B.A.) from Harvard Business School.

After completing his undergraduate studies, Camilo began his career in New York City in J.P. Morgan’s investment banking division.

After leaving J.P. Morgan, Camilo worked at Bonobos, Inc. where he played a key role on the finance team. After two years, Camilo was promoted to Chief-of-Staff, reporting directly to CEO Andy Dunn.

Most recently, Camilo served at the Director of Strategy for GoBrands, Inc., before leaving to pursue his true passion of helping others learn about personal finance.

Camilo is thrilled to be able to work with his brother to help you navigate the world of personal finance!

Harvard Business School Logo
Harvard Graduation The Finance Twins

Francisco Maldonado, M.D.

The death of his dad inspired Francisco to pursue a career in medicine. He studied physiology at the University of Minnesota and medicine at the Mayo Clinic School of Medicine.

In addition to co-founding The Finance Twins, he will be pursuing his residency training in radiology at Northwestern University’s hospitals in Chicago.

His interest in personal finance began during medical school when he had to borrow over $200,000 to reach his life dream of becoming a doctor.

Francisco is excited to be living his dream of helping care for patients with cancer, and also working with his twin brother on a shared vision of helping our readers attain their dreams!

UofM Logo

Thankfully, personal finance isn’t rocket science!

Pressed against the wall of student loans and growing up with no money, we’ve taken control of our personal finances.

Now, we are setting out to help all of you do the same. A great place to start is to read our Personal Finance 101 post here! It will guide you step-by-step to getting your finances in order.

Our site is always going to be focused on money matters and how to avoid making costly mistakes that can set you back.

We also review many different finance companies and products so that you can see which services and companies are worth using.

For investing, we love Webull. If you just want to quickly buy your first stocks, Robinhood and M1 Finance are great options.

If you’d rather hire a professional to help you manage your money, Facet Wealth and Smart Asset are worth looking into.

If you don’t have a high-interest savings account, check out CIT Bank to earn a much higher interest rate than typical savings or checking accounts.

To check your credit score for free, we recommend Credit Karma and Credit Sesame.

If you are married or have kids, check out Bestow, Haven Life and Sproutt for life insurance!

If you need to save money on your cell phone bill, we’ve used and love Mint Mobile and Cricket Wireless.

Finally, if you have a spending problem or can’t stick to a budget, Qube Money is the solution you’ve been looking for.

Life is already hard enough, don’t let money make it even harder. If you have any questions or comments, please message or email and we will get back to you!