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money tools

My absolute favorite tools to level up your money.  Why take the stairs when you can take the escalator?

Money Moves for

Millionaires

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I’m Tori.

As a CEO, Founder, and multi-millionaire, it’s easy to forget that I got my start by saving $100K. And I wouldn’t have been able to do that without some badass money tools, like a HYSA, net worth tracker, and sustainable shopping choices. Use this as your go-to resource for all the tools to help you fight the patriarchy and get rich.

Hi!

Some content may contain affiliate links or sponsored content — I will never work with a brand or showcase a product that I don't personally use or believe in. Patronizing businesses that support Her First $100K® is a great way to support our work. 

My Favorite

You Could Be Earning 10x* More With a HYSA...

Your #1 financial priority is a 3-6 month emergency fund in a high-yield savings account (or HYSA).

It's a non-negotiable no matter what stage of your financial journey you're in.

A typical savings account earns you 0.39% in interest. Our recommended HYSA earns you 4.60% APY** for those with direct deposits and 1.20% APY** for those without. It’s the one personal finance hack that isn’t too good to be true.

The longer you wait to open up a HYSA, the more interest you miss out on.

money tools

For the beginner

The perfect everyday credit card with no frills or fuss. Tori loves its 1.5% cash back on EVERYTHING.

build your credit

Your credit score is your adult GPA. A credit card (used responsibly!) can establish + help build a healthy credit history. This is one of our favorites to do just that! 

For new businesses

Earn unlimited cash back for your business on every purchase everywhere, with no limits or category restrictions. Add employee cards for no additional cost (they’ll also earn 1.5% cash back!) with no annual fees.

Capital One(R) Quicksilver(R) Cash Rewards Credit Card
Chase Sapphire Preferred(R) Card

For established small businesses

With a 1.5% cashback offer on every purchase made for your business and no annual fee, this is our preferred business credit card. You can earn rewards faster with employee cards at no additional cost. And you’ll feel extra secure with fraud protection and zero liability.

For wanderlusters

Tori’s personal favorite card to get free travel (she literally flew business class to Europe for free with the points from the Reserve!) Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase through Chase Ultimate Rewards and 1 point per $1 on all other purchases. 

Ink Business Unlimited(SM) Credit Card
Chase Sapphire Reserve(R) Card
Capital One Spark Cash Select

Your all-in-one finance dashboard

Empower

Knowing your numbers is the first step toward Your First $100K. Keep them all in one place with Empower’s financial dashboard–our favorites are the debt payoff and net worth trackers.

Did you recently switch jobs?

Capitalize

Your 401(k) doesn’t automatically roll over when you switch jobs. Don’t leave that hard-earned money on the table! Use Capitalize’s free rollover service to move your old 401(k) into a new or existing IRA.

Refinance Private Student Loans

Juno

Overwhelmed by your student loans? Juno uses the power of group buying to negotiate with other banks to get members better deals on their student loans. You can join Juno for free today to access their deals. Rates for refinancing start at 2.25% fixed with up to $1,000 cash back.

It might be time for life insurance

Ladder

Try Ladder – a smart (and affordable) term life insurance option that may offer personalized pricing and flexible coverage so you can protect your family with ease. It takes about 5 minutes to apply and to see if you’re approved. If you’re between 20-60, you may get up to $8M in coverage.

Do debt differently

Changed

Put more money back in your wallet with an app that helps you manage your savings and minimize your debt. By utilizing roundups and bringing your friends and family into the fray, pay off debt faster and know exactly where your money is going.

easy Estate Planning

Trust and Will

You can never be too prepared. Whether you need to create your own will or trust as part of your financial plan or go through the probate process to settle someone else’s, Trust and Will make it easy (and affordable) to get started.

For the Beginner

The perfect everyday credit card with no frills or fuss. Tori loves its 1.5% cash back on EVERYTHING.

Capital One(R) Quicksilver(R) Cash Rewards Credit Card

BUILD YOUR CREDIT

Your credit score is your adult GPA. A credit card (used responsibly!) can establish + help build a healthy credit history. This is one of our favorites to do just that! 

Chase Sapphire Preferred(R)

For established small businesses

With a 1.5% cashback offer on every purchase made for your business and no annual fee, this is our preferred business credit card. You can earn rewards faster with employee cards at no additional cost. And you’ll feel extra secure with fraud protection and zero liability.

Ink Business Unlimited(SM)

For wanderlusters

Tori’s personal favorite card to get free travel (she literally flew business class to Europe for free with the points from the Reserve!)  Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase through Chase Ultimate Rewards and 1 point per $1 on all other purchases.  

Chase Sapphire Reserve(R)

For new businesses

Earn unlimited cash back for your business on every purchase everywhere, with no limits or category restrictions. Add employee cards for no additional cost (they’ll also earn 1.5% cash back!) with no annual fees.

Capital One Spark Cash Select

DID YOU RECENTLY SWITCH JOBS?

Your 401(k) doesn’t automatically roll over when you switch jobs. Don’t leave that hard-earned money on the table! Use Capitalize’s free rollover service to move your old 401(k) into a new or existing IRA.

CAPITALIZE

YOUR ALL-IN-ONE FINANCE DASHBOARD

Knowing your numbers is the first step toward Your First $100K. Keep them all in one place with Empower’s financial dashboard–our favorites are the debt payoff and net worth trackers.

EMPOWER

REFINANCE PRIVATE STUDENT LOANS

Overwhelmed by your student loans? Juno uses the power of group buying to negotiate with other banks to get members better deals on their student loans. You can join Juno for free today to access their deals. Rates for refinancing start at 2.25% fixed with up to $1,000 cash back.

JUNO

IT MIGHT BE TIME FOR LIFE INSURANCE

Try Ladder – a smart (and affordable) term life insurance option that may offer personalized pricing and flexible coverage so you can protect your family with ease. It takes about 5 minutes to apply and to see if you’re approved. If you’re between 20-60, you may get up to $8M in coverage.

ladder

DO DEBT DIFFERENTLY

Put more money back in your wallet with an app that helps you manage your savings and minimize your debt. By utilizing roundups and bringing your friends and family into the fray, pay off debt faster and know exactly where your money is going.

CHANGED

ESTATE PLANNING MADE EASY

You can never be too prepared. Whether you need to create your own will or trust as part of your financial plan or go through the probate process to settle someone else’s, Trust and Will make it easy (and affordable) to get started.

TRUST AND WILL

Tools to                    and                             your business

From the looks of my LinkedIn profile, it may look easy breezy, but there are still SO many days that I’m running around saying “how tf do I business??” The tools below are some that I’ve used from the beginning as I launched HFK and some that we added to our stack as our team has grown to 15+. Whether you’re a solopreneur or working with a team, these tools can help you save time and money.

Building Her First $100K from nothing to a multi-seven-figure business has been no easy feat. 

grow

scale

friendmoon

Like a honeymoon, but with your besties. You get it.

Going

With Going, you can save up to 90% on amazing flight deals, with FREE ticket alerts from your home airport to worldwide destinations delivered via email. Never pay for an overpriced ticket again!

Save Money, Travel More

Plum Guide

Think of this as Airbnb and VRBO's bougie cousin. Plum Guide wants every vacation to be remarkable. Stay in some of the coolest homes in the prettiest cities, all for reasonable rates. Italian villa vacay, anyone?

Luxury Doesn’t Have to Break the Bank

HostelWorld

With over 16.5k hostels in 180 countries, there’s always somewhere to stay and new adventures to be had! Connect with other travelers staying in the same hostel or city as you before you go.

Always Room for a New Adventure

Hotel Tonight

Hotel Tonight helps you find great last-minute hotel deals at top hotels around the country. Download their app for even more incredible deals on the go! Use my link for $25 towards your first booking.

Snag Last Minute Travel Deals

For the

friendmoon

Like a honeymoon, but with your besties. You get it.

For the

If you’ve been personally victimized by the Dave Ramseys and Suze Ormans (BOMBASTIC side eye) who tell you not to spend money, I’m sorry. We don’t do that shit here. I am a person and a millionaire, and I LOVE spending money. I just focus on things and brands that I care about. Here are some of my favorite brands to spend money with that also are doing great things in the world.

These are a few of my favorite 

(non-money)

things

Save money, time, and the Earth

Imperfect Foods

Save money on affordable, sustainable groceries and fight food waste with Imperfect Foods, a flexible grocery subscription. Customizable based on quantity, quality, and dietary restrictions.

Feel as Good as You Look

DALYA NYC

Feel as good as you look, and dress the way you want to be addressed. DALYA NYC is committed to providing made-to-order staple clothing in inclusive sizing. You can even get the custom Tori Blazer directly on their site. Use code TORI10 at checkout for 10% off your order.

Sustainable and Affordable Fashion

Armoire

My Fave Women-Founded Activewear

Girlfriend Collective

Edible Cookie Dough – hell yeah

Doughp

Doughp cookie dough is 100% safe to eat raw or bake into the perfect cookie! Not only is every single flavor absolutely delicious, but Doughp donates a portion of every sale to SHE RECOVERS – a non-profit charity with a mission to connect, empower, and support women seeking recovery. Use code TORI for $5 off.

There’s nothing sexier than rest

Lunya

Lunya is dedicated to making rest and relaxation just as sexy as a night out with the girls. Sustainable and expertly crafted, Lunya’s products help you achieve your best rest while looking good doing it. Use code HFK20 for 20% off your order of $100+.

Armoire is a clothing rental service that gives clients unlimited access to endless styles for a monthly fee. Enter code “herfirst100k” at checkout or use the referral link below for up to 50% off any plan + 2 FREE bonus items.

Girlfriend Collective is your new sustainable, slow fashion, activewear bestie (and Seattle-based and women-founded!) Each pair of leggings is made from recycled water bottles and the quality is out of this world. Squat-proof, comfortable, and of course incredibly stylish.


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