I am in EBA (Elite Blog Academy) which has a HUGE focus on writing for an avatar. It is all about creating a persona of one specific person you view as your ideal reader and trying to write everything to them. Their point is that while many people who aren't your avatar will read your blog, you'll create more lasting fans by writing consistently to one person.
My avatar is a married woman with 2 kids, a middle income job (I usually imagine her as a teacher), and little-to-no debt outside of her mortgage and maybe a car payment. She worries that she and her husband aren't saving enough, isn't sure how to stay on track for retirement and saving for her kids college educations, and wants her kids to have less anxiety about money as adults than she does. Her husband is more laid back, he tells her not to worry so much and that they have enough money. Sometimes they argue about these differences.
I am in a very active moms group and know a lot of women who fit this type of demographic. My moms group was part of the reason I even started my blog. Most of my posts are actually written as direct answers to questions they have asked me. (In my first month, I asked them all to send me their most pressing money questions about saving, budgeting, investing, and preparing their kids for the future. I got over 100 questions and they still send me new ones sometimes.)
I have found that while these women may not read every post, they are busy with work and kids and not super interested in just random money discussions, when they see a post about something that they've wondered about they read and share. Even in just six months I've gotten emails from people that say, "My friend ____ sent me this and I was wondering..." It is kind of fun!
I often struggle with writing to a more advanced finance crowd and this avatar, especially as most of the people who comment on my blog are other personal finance bloggers like you guys! Sometimes I feel like I miss the mark, but I'm trying to stay focused on that demographic.