Resources

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Click the topics below to peruse this selection of some of our favorite resources,
from tried-and-true classics to new up-and-comers. 

Books | Our FreebiesAccount Aggregation Tools | Savings
Loans/Mortgages Credit | Calculators | Retail Discounts

Books

Total Money Makeover

I have personally recommended this book to several of my friends and family who want a no nonsense, no jargon, start-from-scratch money course. His Southern, Christian preacher, in-your-face style may not be for everyone, but it’s effective. Credit to him for making personal finance accessible to the masses and really taking head on the single thing that prevents people from reaching their financial goals: Debt.

The Millionaire Next Door

This is a classic book that really demystifies the difference between being rich and being wealthy (net worth > $1 million). This book is part social science research and part how-to on suggestions on achieving real wealth. The best thing about the book is highlighting how much we get wrong about people with real wealth. They’re not flashy with expensive cars and oversized homes, the vast majority of millionaires are regular frugal people that buy used cars and keep them until the wheels fall off!

Rich Dad, Poor Dad

This is another classic and while I am not personally a fan of the author or his views on real estate investing, this book was foundational in understanding the difference in mentality between the middle class and wealthy. It’s written in an engaging story format to illustrate the difference the advice between his highly educated, but fiscally irresponsible father and his high school dropout, millionaire mentor.

Think and Grow Rich

Originally published in 1937, despite the title this book is more about abundance and creating a rich life, more than material wealth. A foundational text of the self-help/motivational category, this is one of those books you read every two to three years and get more out of each time.

Automatic Millionaire

While I am not a fan of the title and generally skeptical of anything that sounds like a ‘get rich quick scheme’ I think the author makes a strong case in this book about three extremely important principles in achieving wealth: Pay yourself first, automate your savings and the power of compound interest.

Additional Resources

Money Speakeasy Freebies

Account Aggregation Tools

  • Mint
    The go-to free tool to have all accounts in one place, automatically calculate your net worth and help you with your budgeting.  The mobile app and website are user-friendly and fairly decent at categorizing your transactions automatically.
  • Personal Capital (if you have brokerage accounts)
    Much like mint.com, but can also manage your brokerage accounts also. Mint.com biggest weakness is how it handles investment accounts and that’s Personal Capital’s strength.

Emergency Fund Savings

  • Ally Bank 
    No monthly maintenance fees, no minimums, easy to transfer funds from other banks
  • Capital One 360 Savings
    No monthly maintenance fees, no minimums, easy to transfer funds from other banks, can also set up multiple savings accounts by nickname (i.e House fund, Car Fund, Emergency Fund)

Loan, Mortgage Refinancing

  • SoFi Student Loan Refinancing
    A lender with a heart and a soul, SoFi’s model is different from traditional banks and the evil that is SallieMae. They offer great rates to refinance student loans and will even pause your loan payment and assist with job searches if you lose your job. They also offer personal loans and mortgages.
  • NACA Mortgage
    The Neighborhood Assistance Corporation of America was on the front lines helping people deal with mortgages during the Great Recession of 2008. They are an advocacy group first and foremost but used the large settlements from suing subprime mortgage lenders to offer one of the best mortgage products in the industry. It’s a very involved underwriting process, but their success rate getting and keeping people in their homes is impressive.

Credit Report & Score

  • Credit Karma
    Simple, free tool both on the web and mobile app to get your credit score updated weekly. It will not impact your credit and allows you to track progress over time.
  • Annual Credit Report.com
    We are entitled to one free credit report from each of the three major bureaus per calendar year. Set your calendar so that you review one report every 4 months. For example, Jan – Transunion, May – Equifax, September – Experian.

Calculators

  • Amortization Calculator
    An amortization schedule is a fancy word for a full listing of each payment for a loan displaying the amount of principal and interest paid over time. This is helpful to look at prior to purchasing a home to understand how much the monthly payment is and more importantly how much interest you will pay each payment and overall.
  • Auto Loan Calculator
    Same amortization schedule as describe above, but for cars.
    Note: Please avoid auto loans!!
  • Credit Card Payoff Calculator
    Simple payoff calculator based on the rate and either how much you can pay each more or your goal payoff date.
  • FeeX.com – Free 401(k) Fee Analyzer
    Are your 401k returns getting eaten up with fees? Find out how much you are paying in both investment and administration fees in your 401k and how that compares.

Retail Savings/Discounts

  • Honey
    Honey will automatically insert coupon codes for you based upon known discount codes. Think of an automatic RetailMeNot when you shop online at most online retailers. It’s free and can save you hundreds of dollars.
  • Retail Me Not
    Never shop online without checking Retail Me Not first. Always double check coupon codes, it may cost you some extra time to try multiple coupon codes, but the savings are typically worth it.  Previously I would google search for coupon codes, and it would inevitably take me to this site.
If you have favorite resources you would highly recommend that are not on the list, click below to let us know!

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