Kumiko Love is the founder of The Budget Mom, a financial educator, Accredited Financial Counselor®, bestselling author, and single mom who transformed her life by taking control of her money—one paycheck at a time.

After paying off $77,000 of debt, saving over $100,000, and buying her dream home in cash, Kumiko made it her mission to help others do the same. What started as a personal journey turned into a movement, with millions of people now using her signature methods—like the Budget by Paycheck® system—to gain confidence, clarity, and control over their finances.

She believes budgeting isn't about restriction—it's about intentional living. Her approach goes beyond spreadsheets, focusing on the emotional and psychological side of money, especially for those who've felt shame, guilt, or fear when it comes to spending. Her work has been featured by Good Morning America, Forbes, CNBC, and The Today Show, and she’s built a loyal community by being real, relatable, and completely transparent about her own journey.

Kumiko’s mission is simple: to empower people to live a life they love on a budget that works for them.