Services

Subscription Management

Rocket Money 
Rocket Money is an essential tool for financial management, especially effective for monitoring subscriptions. It helps users identify and cancel subscriptions they no longer use or have forgotten about, which can significantly impact budgets. 
How it Helps: Studies reveal that a vast majority of people have at least one unused subscription, with an average waste of $32.84 per month on these subscriptions. Rocket Money prevents these budget leaks by providing clear visibility into all recurring charges and aiding in the cancellation of non-essential subscriptions. This helps users save money and better align their spending with their financial goals. 

Investments

Vanguard 
Vanguard is a leader in low-cost investing, primarily through its mutual funds and ETFs. While it offers financial advisory services, it excels at providing low-cost index funds like VTSAX, which follow broad market indexes at minimal cost. 
How it Helps: By focusing on low-cost index funds, Vanguard enables individuals to invest efficiently, minimize fees, and grow their savings, which is crucial for building long-term wealth and achieving financial freedom. 

Charles Schwab 
Charles Schwab is a solid choice for investing, offering services similar to Vanguard but with a different selection of resources and support. Schwab emphasizes low-cost index funds like SWTSX, alongside its broader offerings. 
How it Helps: Schwab’s low-cost index funds allow for effective market exposure with reduced expenses, helping users to enhance their investment outcomes and financial independence. 

Banking

Key items to look for when choosing a bank: 

  • No or low fees 

  • High interest rates on savings 

  • Strong online features and security 

  • Excellent customer service 

Banks Not Recommended: 

  • Wells Fargo 

  • Bank of America 

  • Citibank 

  • Chase 

How it Helps: Choosing the right bank can significantly reduce fees and increase earnings through better interest rates, contributing positively to one's financial health. 

Mobile Services

T-Mobile or Mint Mobile 
Many people overspend on mobile services. T-Mobile offers cost-effective plans with robust coverage, while Mint Mobile provides low-cost plans on the same network without the need for expensive device financing. 
How it Helps: Opting for affordable mobile plans and avoiding costly phone financing can reduce monthly expenses, freeing up more funds for savings and investments.