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. Betterment Start Investing Our Review 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? Personal Capital Plan Your Future Our Review 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. M1 Finance Invest For Free Our Review 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. Vanguard DIY Invest Best Funds

Real Estate

Roofstock A turn-key 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. Roofstock Find Rental Properties Our Review 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. Fundrise Invest in Real Estate Our Review 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. Investable Get a Rental Property Analysis Airbnb: Become a Host Rent out a room or an entire home to travelers. Airbnb hosts, on average, make more than any other gig workers and are raking in an average $924 per month. Nearly half of hosts make more than $500 per month. Airbnb: Become a Host Rent Your Space Our Strategies

Cards and Accounts

Chase Freedom Unlimited® Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. Chase Freedom Unlimited® View Card Details Barclaycard Arrival Plus® World Elite Mastercard® Earn unlimited 2X miles on every purchase. Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days. No foreign transaction fees. Barclaycard Arrival Plus® World Elite Mastercard® View Card Details

Debt

Credible: Personal Loan Get your rate from every platform, for free, and it doesn't affect your credit. Rates as low as 4.99%. Credible: Personal Loan Seize Your Low Rate 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. National Debt Relief Get Started Debt Guide 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. Earnest: Student Loan Refinance Get Your Rate Our Review

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. Hi Charlie Create Your Free Account Our Review 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. Mint Start Budgeting Our Review 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. Swagbucks Buy Now 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. Trim Open A Free Account Our Review

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. WP Engine Start Your Website My Blog Guide 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. Lasso Monetize Your Website 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 you track where you spent your money. QuickBooks Know Your Numbers 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. Gusto Run Payroll

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’. Essentialism: The Disciplined Pursuit of Less Buy from Amazon 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. Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones Buy from Amazon 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. Principles: Life and Work Buy from Amazon

 

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