Headshot of Alaya Linton

Alaya Linton

Linton is a freelance writer, speaker, financial coach, and creator of the award-winning blog, hopeandcents.com. Her own journey of overcoming financial struggles gave her a passion for teaching and encouraging others to take control of their money. Alaya’s writing and personal story have been featured in multiple publications including U.S. News & World Report, LendingTree, The Balance, and AOL Finance.

Articles by Alaya Linton

Massachusetts Residents Spend the Most on the Lottery, but Ohioans Are the Most Likely to Make Their Money Back

Lottery fever reached new heights in 2023, with jackpots crossing the billion-dollar mark four times to date. The $1.765 billion Powerball prize that went to... read more

North Carolina Home to Top 3 Places to Start a Small Business

Launching a small business can be challenging. In addition to having a sound business concept, owners must secure startup funds, register their business and complete... read more

Places Where Black Americans Thrive the Most (and Least)

The financial challenges that Black Americans face are evident. An ever-moving target, the net worth of Black families in America is typically a fraction of... read more

Minority Entrepreneurs Are Succeeding the Most in San Francisco and the Least in Cleveland

Nearly 20% of U.S. employer businesses in 2020 were minority-owned, according to Census Bureau estimates. In addition, the past decade has seen increases in minority-owned... read more

Good Debt vs. Bad Debt: What’s the Difference?

The topic of debt can be as polarizing as politics. Some people think debt should be avoided at all costs, while others believe in using... read more

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