The Financial Toolbox

These are the tools we use to manage our money.

This list is updated regularly to make sure it represents the best of the best.

We've built relationships with some of our favorite companies on this list. As a result, using some of these links support what we do at no cost to you. We greatly appreciate your support!

Investing Tools

Betterment

Betterment The perfect tool for a beginner or hands off style investor. Some people don't have time manage their investments. In fact, it usually doesn't make sense since 79% of all money managers don't beat the market!

Start Investing Our Review

Personal Capital

Personal Capital This is the Mint.com for investors. They will track your investments, analyze your investments and suggest ways to improve things like your 401k allocation. I use this as a tool to monitor my diversification and risk levels. This is for more advanced investors.

Plan Your Future Our Review

Fundrise

Fundrise Did you know that investors with 20% allocated to real estate outperform those who only invest in stocks and bonds? Diversify without the dramatics of actual tenants. The minimum investment is $500.

Invest In Real Estate Our Review

Roofstock

Roofstock They bring years of experience running REITs to your rental property purchases. Every property has a tenant, is certified and comes with a 30-day money back guarantee. They also screen and negotiate with property managers so you get a high-quality team for a good price.

Laura and I have already purchased two rentals through them and plan to buy more.

Get Cash Flow Our Review

Vanguard

Vanguard Vanguard is owned by their funds so they are uniquely aligned with the interest of their investors. As a result, Vanguard funds usually have the lowest fee rate in their category. Mind you, signing up is more work and requires more decisions than Betterment.

DIY Invest Best Funds

Blooom

Blooom Blooom is a service that takes the guess work out of managing your 401K, 403b or TSP. They will optimize your investments automatically, reduce your fees and provide open-ended fiduciary grade advice. Want to know if you should refinance your home mortgage? Ask them.

Use this link and get a free analysis. If you become a member, your first month is free.

Save Your Retirement Our Review

Automate and Optimize Your Debt

Earnest - Student Loan Refinance

Earnest - Student Loan Refinance Earnest uses unrivaled service and technology to bring low-interest loans to high-potential people.

They also use data other lenders don’t—like your savings patterns, investments, and career trajectory - to give you the rate you deserve on student, home, and personal loans.

Get Your Rate

Even Financial

Even Financial Don't pick a random company to refinance with, get the mathematically best offer you qualify for. That's Even's job. They aggregate the best rates from every refinancing company so you can apply once and save the most money possible.

Refinance Our Guide

Debitize

Debitize With Debitize, your credit card acts like a debit card. Every day, purchases you’ve made are withdrawn from your checking account and set aside to pay off your credit card bill. It also keeps your balance low boosting your credit score.

Automate Rewards Our Review

National Debt Relief

National Debt Relief Did you know that credit card companies will forgive some of your debt if you’re in trouble? Imagine reducing a $10,000 bill to $4,000 just by asking.

Not only is this a real thing but billions of dollars get forgiven every year. If you aren’t comfortable negotiating forgiveness than you can always bring on a company like Freedom Debt Relief to negotiate on your behalf – they take a percentage of what is forgiven so it’s pretty low-risk.

Get Started

Create Your Business

Quickbooks Self-Employed

Quickbooks Self-Employed As you start building your business, this will likely be the most valuable tool in your arsenal. Not only will it answer questions like "How much did I profit last month?" but it will help you track where your spending is going just like Mint does.

It's also incredibly necessary so your taxes aren't a nightmare. Need to send invoices? Not a problem, Stripe integrates automatically. We've tried the alternatives and this is the best.

Be Profitable

WP Engine

WP Engine You'll never find a better value website host. The team at WP Engine knows Wordpress backward and forward and will solve your problems 24/7, directly within their online portal. A fast, functional site is a competitive advantage and you'd be crazy to compromise that to save a few bucks.

If you're looking to start an online business, this is the first thing you need.

Start Your Website My Blog Guide

Gusto

Gusto At a certain point in your business, you may need to run payroll. If you want an awesome tech-based solution that you can fully control for virtually nothing a month than Gusto is what you're looking for. Gusto will even help you managed your taxes with a 401k, IRA or HSA.

Run Payroll

LegalZoom

LegalZoom Incorporate your family and create your personal LLC. Use it to save on taxes and grow your income. Unsure what to do and nervous you're going to mess it up? Don't let it prevent you from building something, let these guys take care of it.

Build a Business

Fizzle

Fizzle Building a business? You need to start here. Get educated on business in an ultra-high quality setting that's damn cheap. Oh, and you'll also get to meet a ton of awesome entrepreneurs who actually want to help.

Listen Money Matters only started to take off as a result of my time in Fizzle and I'm sure both Thomas and Matt would say the same.

Create Awesome Corbett Barr

Grow Your Side Hustle Income

Become a Lyft Driver

Become a Lyft Driver Lyft pays you more and you can start driving whenever you want. Not only do you get paid to drive, you can earn tips and bonuses from Lyft bringing up your rate.

Get Paid to Drive

Survey Junkie

Survey Junkie Want to get paid for your opinion? With Survey Junkie share your opinion to help brands deliver better products and services. After you create your profile, they will start matching you to surveys you can take online anywhere, anytime, and on any device. Completed surveys earn virtual points that can be redeemed for PayPal or e-Giftcards.

Your Opinion Pays

Earn and Save Money Online

Paribus

Paribus Receiving refund checks are our favorite past-time. As it turns out, stores owe you money but they don’t pay if you don’t ask. That’s where Paribus comes in – they go to bat for you. Price drop? Get cash back for the difference. Deliveries arrive later than advertised? Get cash back.

FYI: If you signup for Paribus, they pay us. You can also make money by referring people to Paribus. You're welcome.

Get Started Our Review

Seated

Seated You nee to use Seated to book restaurant reservations. Every time you complete a reservation, you get a gift code for $15-40 that you can use at Amazon, Uber, or Starbucks.

The rewards are available within 24 hours of your completed reservation. Laura and I almost exclusively eat out with Seated because it saves us so much.

Get Started

Trim

Trim When is the last time you went to the gym? Life gets in the way, and we can’t keep track of everything. You might not even realize that you are paying for things you don't use.

It would be nice to have an assistant who looked through your bank statements and credit card receipts to find this kind of stuff. That’s what Trim does for you.

Get Started Our Review

Swagbucks

Swagbucks What’s better than getting paid to do things you’re already doing? When you join you can get cash back when you buy online from more than 1,500 retailers including Amazon, Target, and Starbucks. You earn points for each dollar you spend and also get special coupons and deals exclusive to their shoppers. You can also earn points when you complete tasks on their website.

Get Started

Budget Like a Pro

Mint

Mint A really great free budgeting tool. I use it and if you're just starting out, I think you should too.

If budgeting scares you, just follow our step by step budgeting guide - Mastering Mint.

Automate How to Budget

The Financial Gym

The Financial Gym The Financial Gym offers 1:1 personal training to achieve your goals—smarter saving, freedom from debt, and enough money for the things you want most out of life.

They take a fitness-inspired approach to your finances, teaching you how to make smarter money decisions that add up over time. It’s a lot like joining a gym, minus the fancy equipment, plus a ton of free snacks.

Get a Free Consult

Cards and Accounts That Excite Us

Coinbase

Coinbase If you want a piece of the digital currency action, Coinbase is a platform where you can buy and sell Bitcoin, Ethereum, and Litecoin through your bank account, credit cards, or PayPal account.

They have an insurance policy that covers everything you store with their platform so you don't have to worry about losing money to hackers.

Get Started Crypto Guide

mySmartCash

mySmartCash The infamous card without fees - I found it. ATM and Foreign Transaction fees getting you down? Fidelity refunds all of them. They even care about their customers.

ATM Smarter

Traveling the Right Way

Get a Ride with Lyft

Get a Ride with Lyft Like Uber, but better and cheaper. Riders pay lower fairs and Drivers make more because Lyft takes less. The result is a bunch of really nice drivers that care.

Get a Ride

Hipmunk

Hipmunk There are few things more frustrating in life than buying airplane tickets. Hipmunk cuts through the bullshit. With Hipmunk it's super easy to find the cheapest flight for your schedule in less than 15 minutes.

Fly Cheaper

Badass Productivity Tools

Todoist

Todoist I live in Todoist and attribute it to a huge amount of my organization and productivity. It's simple, extremely flexible and has a ton of power features if you really want to get nerdy.

If you're a fan of Getting Things Done (GTD) and don't want to be held down by an inflexible process than Todoist is the project management tool you've been dreaming of. I could not recommend it more highly.

Get Things Done

Croissant

Croissant Want to work in a co-working space but don't want to pay hundreds of dollars for the privilege? Croissant's got your back with plans that start at $39/month and provide you access to an insanely large number of co-working spaces. We're always on the go so Croissant is a perfect fit for us.

Co-Work

Dropbox

Dropbox Cloud storage to share files between your computers, your family and your friends. Never forget a file on another computer or lose it to a disaster again. Dropbox is my mobile office.

Be Everywhere

Evernote

Evernote We talk about evernote all-the-time. 90% of our Business is organized in Evernote. I even use it heavily for my day job. Digitizing documents? It's the way to go.

Get Organized

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