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!

Our Courses

Mastering Mint

This is our guide to budgeting simply and effectively. We walk you through exactly how to use Mint, what your budget should be, and how to monitor your spending automatically.

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.

The 10 Day Debt Plan

This free course outlines a proven framework that thousands of people have used to eliminate their debt, develop better money habits, and start building a secure financial future.

 

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're perfect for DIY investors who prefer a hands-off approach but can still pick individual stocks and funds. We specifically use them for the Golden Butterfly portion of our portfolio.

 

Real Estate

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.

Investable

Use our tool to find out if you're getting a good deal. Know beforehand what your costs look like and whether your investment will generate cash flow. Just enter an address and it does the math for you. Don't guess the value of your investment, calculate it.

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.

 

Debt

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.

Credible Personal Loan

Get your rate from every platform, for free, and it doesn't affect your credit. Rates as low as 4.99% 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 negotiates on your behalf.

 

Budgeting

Mint

An excellent free budgeting tool. I use it, and if you're getting started, you should too. If you don't track your spending, you'll never know where you're wasting money.

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.

Trim

Use Trim to lower your bills. They'll analyze your accounts to determine where you can save money. They'll negotiate with your current providers or cancel unwanted subscriptions. Trim even fights on your behalf to reduce APRs and bank fees.

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.

 

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.

HostGator

When it comes to finding the highest quality host for the lowest price, HostGator wins hands down. Depending on the day, it's between $2.75 and $3.95/month for the tier you need.

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.

 

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