Welcome, Future Early Retirees.

As a part of my wealth building journey, I utilize different tools and platforms to help me track my expenses, invest and hold my cash. If you are just getting started, I want to share the platforms I use so you can as well!

In today’s newsletter, I’ll discuss the 3 tools/platforms I am using to achieve financial freedom:

• Marcus by Goldman Sachs

• Fidelity

• Credit Karma (formerly Mint)

Important Reminders:

• These are not endorsements. These are tools that I use and work for me. Other platforms may be better suited for you. I encourage you to look at different options before settling in on one.

• Each one of these plays a big role in how I manage my finances and make sure I am on track to achieve my financial goals. I hope you are able to utilize them as well!

Marcus by Goldman Sachs

• I use this as my high yield savings account.

• It currently earns me a 4.4% annual interest rate, meaning my cash continues to grow even if it is just sitting in the account.

• I keep my emergency fund in this account so I can earn interest.

• There is no annual fee for this account and no minimum deposit when you open the account.

Fidelity

• I keep all of my investments except for my 401K that I have with my current company with Fidelity.

• I also have their credit card which earns me 2% on every purchase which gets deposited into my brokerage for me to invest every month.

• Fidelity is known for being a low cost and easy to use platform. I can confirm this has been my experience!

• I’m able to do everything I want in terms of investing all in one place. They have helped me set up a regular brokerage account, Roth IRA and Rollover IRA and made the process be seamless. It took less than 5 minutes for each one!

Credit Karma (formerly Mint)

• Credit Karma shows you what your current net worth is.

• The platform use to be called Mint before the company that owned it, Intuit, decided to merge it with Credit Karma.

• All of my financial accounts are link to this app so I can just check the balances here without having to go to each individual account. This includes, loans, cash, credit cards and investments.

• It does having budgeting capabilities, but it is not always the best about putting your transactions in the correct bucket based on the budget you created.

• I elect to download the transactions into an and assign them the category in my budget I want to go towards myself.

Other platforms that are worth taking a look at

• SoFi Savings (high yield savings account)

• E*TRADE (investing)

• Acorns (automated investing)

• YNAB (budgeting)

• Everydollar (budgeting)

Wrap Up

Using the great tools we have access to now allows me and you to pursue our financial goals from the comfort of our own home. All you need is a laptop and an internet connection. I hope by sharing what I use, you have a solid starting point on what to consider using for your financial journey!

Thank you for reading this post! If you found this information valuable, please consider sharing with friends and family so they can get more helpful personal finance tips and strategies. You can reply to this email to let me know your thoughts and experiences.

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