About Me

If you’re here, I’m guessing you care about money—not in the “get rich quick” sense, but because money shapes how we live and what we leave behind.

That’s exactly how I see it, too.

I’m Julie Rains, a writer, investor, and spreadsheet designer. At Investing to Thrive, I share practical insights on saving consistently, investing with intention, and protecting your financial future.

I’ve always had a knack for numbers, thanks in part to my Depression-era parents who taught me to value every dollar. Reading company financials and running valuations through spreadsheets feels natural to me—but I’ve learned that money isn’t just about the math. It’s also about values, legacy, and preserving what matters most.

My book, Growing Wealth: Essential Money Lessons from My Garden to Yours, weaves these lessons together, showing how the principles of gardening can illuminate financial truths. My personal experience settling my father’s estate deepened my belief that wealth is more than numbers—it’s also about carrying forward freedom, security, and wisdom.

Whether through articles, tools, or stories, my goal is simple: to help smart people make confident financial decisions that last.

When I’m not writing or working with spreadsheets, I’m likely cycling, kayaking, hiking, or tending our community garden.

I’d love to hear from you! Let me know what types of financial decisions you’re making and what topics concern you.