Personal finance problems have become a significant social issue that bothers Americans despite their high income. Financial concerns could lead to mental depression, anxiety, sadness, and lower productivity. To find out the reasons behind this phenomenon and discover the top personal finance concerns, this paper utilizes the posts from the online Reddit discussion forum Personal Finance, with TFIDF to find out the top words in 13 categories of the forum, LDA Topic Modeling to reveal the distribution and content of topics in the online discussion, and LIWC dictionary to detect the psychological traits under each flair.