My Favorite Money Tools
based on your money personality
The Emoji Key
📖
Learn
🏦
Save for the Big Stuff
💵
Save for the Smaller Stuff
💰
Budget + Debt Payoff
💳
Credit Cards
Wondering what tf a Money Personality is?
What if I told you that answering 6 questions could unlock your FREE, personalized financial game plan?
Take my quiz and discover your Money Personality along with a roadmap to level up your financial success and crush all your goals. You’ll receive a list of hand-picked resources delivered directly to your inbox.
Financial Freshman
The $100K Club 📖
Need more honest money conversations in your life? Join hundreds of other money-motivated folks in my Facebook community to get your burning questions answered, and get free access to my guidance. {Free}
HFK Weekly 📖
A weekly newsletter releasing every Friday that’s created to serve our community of almost a million Financial Feminists. With weekly money moves, money wins, and money tools (plus some exclusive discounts), this is a great way to start each week! {Free}
Chime High-Yield Savings Account 🏦
Your typical savings account earns you just 0.06% at your local bank — literal pennies. A high-yield savings account, on the other hand, can earn you over 8 times more. The longer you wait to open up a high-yield savings account, the more money you lose.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Build Your Credit 💳
Everyone deserves a fair shot at building good credit, so Chime doesn’t even check your credit score when you apply. Every time you make a payment on time and in full, you’re building credit. With their “Safer Credit Building” feature on, your balance is paid on time, every month.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Personal Capital 💰
The tool I check daily, Personal Capital is the best tool for tracking your net worth and your progress towards goals like saving, debt payoff, and (yes!) $100K. {Free}
Treasury
We’re building a one-of-a-kind, non-judgemental community where you can learn exactly how to invest, build wealth, and receive exclusive access to Her First $100K.
Credit Cards
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
My Favorite Travel Credit Cards
I love to travel, and these travel rewards credit cards are the ones I recommend to everyone ready to save big on flights, dining, and more. Apply now and start collecting rewards for your next big trip!
Chase Sapphire Preferred Card
Highlighted Features: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®. Receive 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. If you use DashPass, DoorDash’s delivery subscription service, you receive unlimited deliveries with a $0 delivery fee.
Chase Freedom Unlimited
Highlighted Features: With this card, you earn 6.5% cash back on all Chase travel purchased through Ultimate Rewards(R) and grocery stores, 4.5% on dining and drugstores, and unlimited 3% cash back on all other purchases, making it a great option if you love dining and travel. Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back! This is an ideal option for someone with good/excellent credit. No annual fee.
My Favorite Student & Cash Back Credit Card
If you’re a student or young professional just starting to build your credit, or looking to earn cash back on their purchases, check out the cards below.
The Best Credit Card for Students/Early 20s: Deserve EDU
Highlight Features: No credit history required, Amazon Prime sign up bonus after spending $500 in the first three months, 1% Cash Back, no annual fee. This card is perfect for those who are needing to establish credit, but still want some great perks.
The Best Credit Card for Cash Back: Capital One Quicksilver
Highlight Features: $200 sign up bonus after spending $500 in the first three months, 1.5% Cash Back, 0% APR for first 15 months, no annual fee. This card is great because not only do you have unlimited earning potential, but your rewards will never expire.
My favorite business credit cards.
Whether you are just starting your business or are established and looking for a good credit card, I’ve got some great recommendations for you.
Capital One Spark Cash Select for Business
Highlight Features: Earn unlimited 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions. Earn a $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. At no cost, you can add employee cards, also earning 1.5% Cash Back on all purchases. No foreign transaction fees or annual fee.
Ink Business Unlimited
Highlight Features: With a 1.5% Cash Back offer on every purchase made for your business and no annual fee, this is my preferred business card. Earn $750 bonus Cash Back after you spend $7,500 in the first 3 months. You can earn rewards faster with employee cards at no additional cost. Feel safe with Fraud Protection and Zero Liability.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
SAVE: for the big stuff
Chime
Your typical savings account earns you just 0.06% at your local bank — literal pennies. A high-yield savings account, on the other hand, can earn you over 8 times more. The longer you wait to open up a high-yield savings account, the more money you lose.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
M1 Finance
It’s almost impossible to retire if you don’t invest. Ready to start? I recommend opening up a Roth IRA through M1, especially if it’s your first retirement account. You can open one at any age as long as you have a job and unlike a traditional IRA, there are no required minimum distributions.
Treasury
We’re building a one-of-a-kind, non-judgemental community where you can learn exactly how to invest, build wealth, and receive exclusive access to Her First $100k.
Juno
Overwhelmed by your student loans? Juno uses the power of group buying to negotiate with banks to get members better deals on their student loans. You can join Juno for free today to access their deals and find out how much money you could save. Rates for refinancing start at 2.25% fixed, with up to $1,000 cash back.
Capitalize
Did you recently switch jobs or launch your own business? Instead of losing money, roll over your old 401(k) into a brand new or existing IRA with Capitalize. They handle all the paperwork for you and for FREE, including calling the 401(k) provider on your behalf, completing paperwork, and sending faxes.
Ladder
Try Ladder— a smart (and affordable) term life insurance option that offers 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 can get up to $8M in coverage.
SAVE: on the small(er) stuff
Rakuten
Gives you free cash back on almost all your favorite stores via a desktop plug-in.
OpenCare
Opencare gives you money to go to the dentist (yes, really.) They pair you up with a new healthcare provider — and after your appointment, you get rewarded! {Get a $50 gift card after your first visit!}
Personal Finance for Couples
Looking for a way to tackle finances, stay on budget, and conquer money communication with your significant other? Zeta does all this for you— and they also have a ton of great resources like a money personality quiz, blog posts, podcast episodes, and more! {Free}
Save on Groceries
Save money on affordable, sustainable groceries and fight food waste with this flexible grocery subscription. Customizable based on quantity, quality, and dietary restrictions. Save money, help the environment, and skip the grocery store? Yes, please!
Business Recommendations
Email Marketing Software
Flodesk is by far the easiest interface for building out workflows and managing email campaigns. Not only are their email templates so stinkin’ attractive, but so is the price (way cheaper than ConvertKit or Mailchimp.)
Accounting Software
Quickbooks takes the trouble of being your own accountant completely out of the equation. Track income & expenses, send invoices, perform bookkeeping, and more with your incredibly visual and easy-to-use business profile.
A Platform to Grow Your Website & Brand
Everything your website needs from start-up to success. Whether you’re looking to create a website, blog, or online store, Bluehost can get you started with a hosting plan tailored to your specific needs. Their marketplace gives you access to hundreds of free and premium website themes, so you can pick one that suits your style and start building.
Payroll Management
Gusto is the all-in-one platform I use to pay and support my amazing team. It makes onboarding new hires seamless. Payroll is distributed to my team with a few clicks and the proper taxes are filed for me in seconds! Gusto will also help with finding the right health benefits that fit your team and budget and offer an abundant amount of resources to help my team manage their money.
Course Creation
Teachable is the platform I use to create all of my best-selling online courses. You can create your own domain, track sales, and enrollment insights, and invite team members to collaborate! My favorite part is how visually appealing and easy-to-navigate all of the courses are for my students. Plus, their chat feature makes it really easy to get all your questions answered. They even have built-in affiliate marketing tools and accept dozens of different currencies so you can reach a global market.
Tori’s Favorites
From clothing, to food, to travel, here’s an inside scoop into which brands and businesses have captured Tori’s heart (and stomach).
Armoire
Armoire is a clothing rental service that gives clients unlimited access to endless styles for a monthly fee. Armoire is a sustainable and affordable way to switch up your closet. Enter code “herfirst100k” at checkout or use the referral link below for 50% off your first month + a bonus item!
Thinx
Women spend on average over $6000 on period products over their lifetime, which generates over 200,000 tons of waste in a year. Thinx is a feminine hygiene company that’s been hard at work breaking the period taboo and creating sustainable products to support you during menstruation—all while giving back and helping end period poverty. Thinx helps me save the environment and look sexy doing it! Get 30% off at my referral link below!
Girlfriend Collective
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 incredible stylish.
Daily Harvest
Daily Harvest delivers thoughtfully sourced, chef-crafted food built on organic, whole fruits + vegetables—that’s ready in minutes. Click the button below for $25 off your first box!
Doughp: Legit Cookie Dough
Doughp cookie dough is 100% safe to eat raw or bake into the perfect cookie! Not only is every single flavor absolutely delicious, 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!
Scott’s Cheap Flights
Save up to 90% on amazing flight deals, with FREE ticket alerts to worldwide destinations delivered directly to your inbox. Never pay for an overpriced ticket again!
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 affiliate link below for $25 towards your first booking!
Masterworks
Want to invest in your favorite works of art? Didn’t even know that was a thing? Insert: Masterworks— the first platform for buying and selling shares representing an investment in iconic artworks. Build a diversified portfolio of iconic works of art curated by their industry-leading research team.
Bombas: Socks, Underwear, T-Shirts
For every clothing purchase, Bombas donates one to the homeless. To date, they’ve donated more than 50 million items to more than 3,500 community organizations. And their apparel is so cozy, you’ll never wanna take it off.
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