[ I need to make a disclaimer at this stage, while it might seem that person we are referring to is Budget Babe, the conversation is not triggered by her. So don't go trolling her because you read this article ! ] This started as a personal conversation between a very popular finance blogger ( who will never be named here ) and myself.  He suddenly asked me "How come they are so fierce?" referring to the new wave of Millenial women who are emerging as experts in personal finance and cryptocurrency. At that moment, I was unable to come up with a decent answer but I thought perhaps a full-blown article over the weekend will be able to address the question in a better way. I think for a start let's arrange financial knowledge into a hierarchy. This hierarchy does not attempt to say which stage of development ......