Financial Tools That Actually Work
The exact platforms and services that helped me achieve financial independence at 32
💼 Partnership Disclosure
Many of the products on this page are from partner brands. I may earn a commission from offers you sign up for. However, I personally use every single product listed here and only recommend tools that have genuinely helped my financial journey. Quality and value come first—partnership opportunities are secondary.
Rocket Money
My go-to budget and expense tracking solution. Rocket Money automatically categorizes transactions, tracks subscriptions, and gives me a clear picture of where my money is going each month.
The subscription tracking feature alone has saved me hundreds of dollars by catching forgotten subscriptions. The spending insights help me stay on track with my financial goals, and the interface is clean and intuitive. It’s the financial awareness tool I wish I had when starting my journey.
Personal Capital
The best free wealth management tool for getting a complete view of your investment portfolio. Personal Capital aggregates all my brokerage accounts and shows my overall asset allocation across different platforms.
This is where Rocket Money falls short—it can’t give you the deep investment analysis you need. Personal Capital’s asset allocation tool is incredible for seeing your overall stock/bond/cash allocation across ALL your accounts. I’ve used it for years to track my net worth and rebalance my portfolio.
Robinhood
My favorite investment platform for its incredible user experience and innovative features. While most of my capital is still at Merrill, I’m seriously considering moving everything to Robinhood.
The product experience is phenomenal—fast, intuitive, and constantly improving. Bank of America’s Merrill platform moves at a glacial pace by comparison. Robinhood delivers great features quickly, and the interface makes investing enjoyable rather than tedious.
Fundrise
Still my top choice for crowdfunded real estate investing. While there’s business risk since they’re not yet profitable, the platform continues to innovate in exciting ways.
They’ve added venture capital as an asset class, and their Innovation Fund is investing in cutting-edge AI companies like OpenAI and Anthropic. It’s wild to get exposure to these companies through a real estate platform. The diversification across asset classes is unique.
@TheLongInvest on X
My favorite investing resource—and it’s not even close. This creator is going to retire me all over again with how much I’m learning and winning with his guidance.
Real-time market insights, practical investment strategies, and actionable advice that actually works. His track record speaks for itself, and the educational content has genuinely improved my investment results. Follow him if you’re serious about long-term wealth building.
1Password
Hands down the best password manager available. Amazing product that I couldn’t live without at this point. Protecting your financial accounts starts with strong, unique passwords.
Please do not use LastPass—their security failures are genuinely scary. Your financial security depends on choosing a trustworthy password manager, and 1Password has a proven track record.
Bulletproof security, beautiful interface, and seamless sync across all devices. When your financial life is online, you can’t afford to compromise on password security. 1Password makes strong security effortless.
Other Financial Tools I Love & Use
Checking, savings accounts, and CreditWise for credit monitoring
My main banking and investing relationship (for now)
Where I keep my emergency fund with automatic investing
App and weekly paper subscription—old school but valuable
Great for finding financial communities and discussions
When you follow great creators, it’s unbeatable for finance insights
Good (not great) for investment research and analysis
My app for everything—I track my financial life in detail alongside Rocket Money
Coming Soon: I’m expecting to fall in love with BigQuery and its AI tooling when I start importing my spreadsheet data into a comprehensive database of my financial life.
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I’m constantly testing new financial products and tools. Follow me on X for real-time updates, reviews, and recommendations as I discover products that could enhance your financial journey.
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