THE RICH HERMANA
Tools I use with my own money
The money tools on this page are ones I pay for, log into, or keep my own savings in. The travel and business partners further down are ones I vetted before saying yes. When I stop using or trusting one, it comes off the page.
Some of these are partner links. When you sign up through them, TRH earns a little and it costs you nothing extra. Rates and bonuses change often, so I keep the current numbers on the partner's site and never on mine.
See all your money in one place
The first thing I set up for anyone who asks me where to start.
Monarch Money
The app I run my own money in. Every account, card and goal on one screen, shared with my husband, and the only budgeting app I use or recommend.How I use it: the Sunday money date starts here.Try Monarch, 50% off year onePark your savings
Where my emergency fund and my sinking funds actually live.
SoFi Checking & Savings
The high yield account I keep my own savings in. No account fees, and a welcome bonus when you set up direct deposit. My full guide explains why it is the only account on my list.How I use it: one vault per goal, each one named.Open a SoFi accountThe savings account guide
How to move your money over without touching your bills, what to name each vault, and the questions to ask before you open anything.Free. Comment HYSA on any of my posts and I will send it.Read the guideGet paid back for what you already buy
Small money, but it is automatic, and automatic is the whole point.
Rakuten
Cash back on the shopping you were already doing, paid out every quarter. The browser extension does the work; I never think about it.How I use it: installed once, checked never.Join Rakuten, $10 bonusTravel without the surprise charges
The trip home and the trip away, planned like the rest of the money.
Airalo
An eSIM you download before you land, so your phone works abroad without the roaming bill or the airport kiosk line.How to use it: buy the data plan in the app the night before the flight, and turn it on when you land.Get an Airalo eSIMVirgin Voyages
Adults only sailings with the food, the wifi and the tips built into one price, so the number you see is close to the number you pay.How to use it: open a sinking fund with the sail date as the deadline and pay in full before boarding. Skip the financing option at checkout.See Virgin Voyages sailingsHire help for the business
For the hermanas who run something on the side and need a second pair of hands.
Upwork
Freelancers for the tasks eating your weekends: design, editing, bookkeeping, the website. Post the job, read the proposals, hire by the hour or by the project.How to use it: one clear brief, three proposals, one small paid test task before the real one.Hire on UpworkTake care of yourself
Health is a money decision too.
Maven Clinic
Virtual care built for women, including GLP-1 support, at half off through my link.How I use it: appointments that fit around a full time job.Visit Maven, 50% offRun your own newsletter
For the creators in the room who want to own their audience.
beehiiv
This whole site, the shop you are looking at, and my Tuesday letter all run on beehiiv. It is the platform I moved everything to so nobody else owns my list.How I use it: newsletter, website, store and automations in one login.Start on beehiivTHE TOOLS I MADE MYSELF
My own systems live in the shop
The FinGoals Money System, the Money Starter Guide, the Creators & Brand Deals kit and the Money Date Care Package, built from the same pages as the book.
Shop everythingThis page is education from my own experience. Nothing here is personalized financial advice. Read the terms on any account before you open it, and reply to any of my emails if you have a question about how I use something.