If you’re trying to feel calmer, more in control, and finally ahead with your money — these are the tools I recommend most.
They’re simple, beginner-friendly, and designed to help you save more, stress less, and build real momentum without feeling overwhelmed.
This page may contain affiliate links, which means I may earn a small commission at no extra cost to you. I only recommend tools I truly believe in.
My #1 Money Tool
Where I Keep My Emergency Fund (And Why It Earns Me Free Money)
A high-yield savings account (HYSA) is where I keep my emergency fund — and it’s one of the easiest ways to earn passive income without risk.
Unlike traditional savings accounts that earn almost nothing, a HYSA pays significantly higher interest, meaning your money grows automatically just by sitting there.
Why I love it:
Your money earns interest every single day
No investing experience required
FDIC insured (safe and secure)
Perfect for emergency funds and short-term savings
Best for: emergency funds, sinking funds, peace of mind
What to look for: no monthly fees, no minimum balance, competitive APY, easy transfers
My recommended High-Yield Savings Account:
[OPEN A HIGH-YIELD SAVINGS ACCOUNT]
Tip: I keep my emergency fund in a HYSA so it’s accessible, safe, and quietly earning me money.
Read the full post:
Where I Keep My Emergency Fund (And Why It Earns Me Free Money)