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

Betterment

A completely automated investing tool that's perfect for beginners and hands-off style investors. They use advanced strategies to earn you a higher investment return than you could on your own.

Personal Capital
Budget like a business and focus on your cash flow. In addition to their budgeting software, they have an awesome suite of tools to help you optimize your investments. Did we mention it's free?
M1 Finance
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 portion of our portfolio.
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.

 

Real Estate

Roofstock
A turnkey rental property marketplace. 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.
Fundrise
Diversify into income-producing real estate without the dramatics of actual tenants. Currently, their return is more than 2x that of the Vanguard REIT Index Fund.
Rental Properties for Passive Investors
Our proven, data-driven approach to building a portfolio of income-producing rental properties that perform in the long-term.
Investable
Find out if you're getting a good deal and what your costs look like. Just enter an address and it will do the math. Don't guess the value of your investment, calculate it.
We earn a commission if you click this link and make a purchase at no additional cost to you.

 

Debt

Credible: Personal Loan

Get your rate from every platform, for free, and it doesn't affect your credit. Rates as low as 5.95% APR (with autopay).

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. National Debt Relief will negotiate on your behalf.
Earnest: Student Loan Refinance
Earnest uses unrivaled service and technology to bring low-interest loans to high-potential people. Their platform will give you the best rate you deserve for student loans.

 

Budgeting

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.
Mint
A really great free budgeting tool. I use it and if you're just starting out, I think you should too. If you don't keep track of your spending, you'll never know where it's being wasted.
Swagbucks
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.
Trim
Use Trim to lower your internet, cable or phone bills. They will analyze your accounts to find recurring subscriptions and determine where you can save more money, automatically.

 

Business

WP Engine
We host ListenMoneyMatters.com with WP Engine. They are the best WordPress managed-hosting service that we've found. And we've tried a lot of em. Nothing beats the power and ease of use of their admin tools.
Lasso
We built this to monetize Listen Money Matters and now we're sharing it with you. If you want to make money online, you need this tool. It's the best plugin you'll ever use, if we do say so ourselves.
QuickBooks
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 track where you spent your money.
Gusto
Businesses need to run payroll. Gusto is an affordable modern payroll platform that you can fully control online, and love it. They will even help you with a 401k, IRA or HSA. Gusto's also incredibly affordable.

 

Books

Essentialism: The Disciplined Pursuit of Less
The Way of the Essentialist isn’t about getting more done in less time. It’s not about getting less done. It’s about getting only the right things done. It’s about the pursuit of ‘the right thing, in the right way, at the right time’.
Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones
James Clear, one of the world's leading experts on habit formation, reveals practical strategies that will teach you exactly how to form good habits, break bad ones, and master the tiny behaviors that lead to remarkable results.
Principles: Life and Work
In Principles, Dalio shares what he’s learned over the course of his remarkable career. He argues that life, management, economics, and investing can all be systemized into rules and understood like machines.
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