Soren Hottenstein, CFEI®
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100+Articles written
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5Years of experience
- Certified Financial Education Instructor℠ (CFEI®)
- Personal finance
- Consumer banking
- Budgeting
- Debt management
- Insurance coverage
- Bachelor of Science, General Psychology studies, Capella University
- Continuing coursework towards the Next Gen Personal Finance (NGPF) Distinguished Educator Award
About the author
Soren Hottenstein, CFEI®, is a personal finance writer and Certified Financial Education Instructor. Their work helps readers navigate real-world money decisions, from budgeting and debt payoff to building financial habits that stick. Soren writes with clarity, empathy, and a focus on practical outcomes that meet people where they are.
They began writing about finance in 2020 with The Balance and have since contributed to outlets like Investopedia, Chime, Bluevine, and The Balance. Soren has been a small business owner since 2010, originally focused on antiques and handmade art. Today, that work has evolved to include writing services that support financial education and access.
Their mission is to make financial literacy approachable, realistic, and empowering for those who have felt left behind or overwhelmed by traditional systems. Soren truly believes that with the right tools and support, anyone can take confident steps toward financial stability.
Outside of writing, Soren enjoys gardening, reading, developing new recipes, making art, and staying connected to their local community.
Soren beyond Bankrate
Good financial education meets people where they are and gives them tools they can use right away. Financial knowledge should feel empowering, not overwhelming.
— Soren Hottenstein, CFEI®