Accounts & Tools I Actually Use
Every pick below is something I use myself or recommend to 1:1 clients — for planning, budgeting, saving, and investing. This list is still growing.
Some links below are affiliate or referral links. If you sign up through one, I may earn a commission or bonus at no extra cost to you. I only recommend accounts and tools I've personally used or vetted for clients — never ones I get paid to feature.
Financial Planning Tools
For modeling your full financial picture and mapping the path to financial independence.
Nauma
AI-driven planning that updates your projections as your real numbers change, instead of a static spreadsheet you forget to touch.
Code: moneywithmay
Projection Lab
The tool I personally started with to build my own plan for financial independence — deep enough for FIRE modeling, still usable without a finance degree.
Budgeting Apps
For seeing where your money actually goes, without a manual spreadsheet.
Monarch Money
Syncs every account you have — checking, cards, investments — into one dashboard. Best fit if you want the full picture without logging into five different apps.
High Yield Savings Accounts
Where I tell clients to park an emergency fund or any cash they'll need within a couple of years.
Ally
No minimum balance, no monthly maintenance fees, and a rate that actually moves with the market instead of sitting near zero.
Brokerage Accounts
Where money that isn't needed for 5+ years should actually live.
Schwab
Full-service brokerage with no account minimums and no commission on stock or ETF trades — the one I point most clients to first.
Not sure which of these actually fits your situation? Book a free 30 minute consultation and we'll figure it out together.
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