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

M1 Finance

M1 Finance M1 Finance is an online broker and investment manager hybrid. Unlike most services, they allow for both self-managed and robo-directed investing.

They are perfect for investors who don't want to be largely hands-off but still have the ability to pick a handful of individual stocks. We specifically use them for The Golden Butterfly.

Invest For Free 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

Cards and Accounts That Excite Us

Wealthfront Cash

Wealthfront Cash Put your cash to work without risking your Opportunity Fund. Earn 2.29% APY with no fees, unlimited transfers, and FDIC insurance covering up to $1 million.

Open a Free Account

PayPal - 2% Cash Back Card

PayPal Cash Back Mastercard We don't want to keep up with rotating cash back categories so we chose a card that gives you their highest cash back offer, all the time.

Get 2% cash back on all purchases deposited directly into your PayPal account. You'll also get 60-day price protection, and double the warranties of your purchases for up to a year. No annual fees!

Maximize Your Cash Back

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

Credible

Credible Personal Loans Don't pick a random company to refinance with, get the mathematically best offer you qualify for. That's Credible'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

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.

Know Your Numbers

WP Engine

WP Engine You'll never find a better value website host. The WP Engine team knows Wordpress inside and out and support is available 24/7 in their online chat.

If you're looking to start an online business, this is the first thing you need. A fast, functional website is a competitive advantage and you'd be crazy to compromise that to save a few bucks.

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

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.

Start Budgeting How to Budget

Charlie

Hi Charlie Charlie is a free financial tool you can utilize through Facebook messenger or SMS. He will help you keep track of your spending, automate your budgets and find ways to save money.

Automate Your Budget Our Review

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

1Password

1Password This is the best, most secure, most flexible password storage system that I've seen. Their cloud storage is also very tight.

Not only do I have all of my personal accounts stored with 1Password but I have a separate vault for each business we own so we can have granular control over who has access to what in one central location. I couldn't run my business or life without it.

Secure your Digital Life

Earn and Save Money Online

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

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