About us

We live in a society where most people graduate from high school lacking sound money management skills. Given that most of us have to work to make a living, personal finance education is something we all need to master in order to achieve our financial goals.

Our mission is to simplify personal finance and share actionable content to help you make smarter financial decisions, worry less about money and spend more time doing the things you love.

The Team


Ricardo Pina


Meet Ricardo. Ricardo is the founder of The Modest Wallet. After graduating from University, he started working in the construction industry, one of his many passions, where he has built some of the most challenging projects in North and South America. Throughout the years, Ricardo realized that you shouldn’t need a finance degree to be good with your money. So, in 2018 he set out to create The Modest Wallet to help people better understand money. When he’s not helping others make smarter money decisions, you can find him spending time with his beautiful family and traveling the world. Ricardo has a bachelor and master’s degree in civil engineering from the University of Toronto.

Want to send us an email?

Whether you have a comment or suggestion to share, we look forward to hearing from you. Feel free to reach out by emailing hello@themodestwallet.com

Keep in touch, don’t be a stranger!


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