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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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Money Tools

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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. 
Advertiser Disclosure

You Could Be Earning 9x* More With a ...

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 4.00% 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.

high-yield savings account

in canada?

click here

credit cards

i don't even bother using a debit card anymore

Business

There is no such thing as "too small" of a company when finding a business credit card.  Separate your business and personal spending and unlock unique perks that often aren't available for personal cards. 

for ventures of all sizes

Travel

Great for both occassional and frequent travelers--start saving money and earning rewards with every trip that you take.  These cards have allowed me to get lie-down seats to Paris, stay the night in castles, and travel frequently all on points.

I use these for 99% of my trips

No Annual Fee

Great starter cards for people who are learning how to manage their finances and want to start learning about credit card perks and rewards.

minimize cost, maximize perks

the best

Cash-Back

Great for maximizing everyday purchases and earning cash-equivalent rewards.  Some have a standard % back for all purchases, but there are some where you can get special category bonuses. 

earn with no frills or fuss

credit cards

i don't even bother using a debit card anymore

the best

these are my

money tools

non-negotiable

YOUR ALL-IN-ONE FINANCE DASHBOARD

SoFi

Your journey to financial success starts here. Manage accounts, monitor your credit score, track your net worth, and plan your financial future—all in a single, powerful, FREE tool.

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.

prenups aren't taboo

hello prenup

Prenups shouldn't be taboo--these are a necessary part of your financial plan! Hello Prenup helps you negotiate terms with your partner, generate the prenup, and get it notarized--all in one spot.

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.

YOUR ALL-IN-ONE FINANCE DASHBOARD

Your journey to financial success starts here. Manage accounts, monitor your credit score, track your net worth, and plan your financial future—all in a single, powerful, FREE tool.

SoFi

Family-friendly finance

If you have kids between the ages of 0-17 and want to build a better future for your family, this is the course for you. Learn how to build and protect generational wealth for your children from our friend Andy Hill. 

Make my kid a millionaire

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

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

THE PERFECT TOOL FOR A MONEY DATE

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

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

an important relationship to-do

Prenups shouldn't be taboo--these are a necessary part of your financial plan! Hello Prenup helps you negotiate terms with your partner, generate the prenup, and get it notarized--all in one spot.

hello prenup

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

Babbel

What if you could bid adieu to communication barriers and dive right in to unforgetable journeys?  Make travel easier by learning the languages you need to get around or pick up Timothée Chalamet (iykyk)

Chatting makes travel easier

CHASE SAPPHIRE RESERVE®

My absolute favorite card to get free travel. 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.

for the wanderluster

Flytographer

Hire a photographer to capture the magical moments of your trips.  Whether its for a birthday, anniversary, or just for fun, Flytographer can get you set up with a fun vacation shoot in 350+ cities worldwide.

Capture the magic of travel

For the

friendmoon

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

For the

bookshelf

on my

on my

bookshelf