APPTOP PICK
YNAB
Why we picked it: gives every dollar a job, so you see exactly where your money goes and stop living paycheck to paycheck.
Best for: first-time budgeters
Try YNAB →Home / Finance
Pillar I
Finance
Build wealth that compounds while you sleep.
Most people don’t have a money problem — they have a system problem. Start with a budget you’ll actually stick to, automate your saving, then put your money to work. These are the tools we recommend for each step.
Free guide
The Wealth Starter Guide
The 5-step money system in a short guide you can read in 10 minutes.
STEP 01
Take control of your money
The lesson: you can’t grow what you don’t track. A budget isn’t a restriction — it’s a plan for where your money goes before it disappears.
Monarch Money
Why we picked it: every account, budget and goal in one clean dashboard — great if you want the full picture.
Best for: couples and net-worth tracking
Try Monarch →I Will Teach You to Be Rich
Why we picked it: a step-by-step plan to automate your money and spend guilt-free on what you love.
Best for: setting up your system in a weekend
Get the book →STEP 02
Start investing
The lesson: time in the market beats timing the market. Start small, stay consistent, and let compounding do the work.
[INVESTING APP]
Why we picked it: [chosen once we confirm it’s available in our followers’ countries].
Best for: [who it’s for]
Get started →The Simple Path to Wealth
Why we picked it: the plainest explanation of low-cost index investing you’ll ever read.
Best for: first-time investors
Get the book →[INVESTING COURSE]
Why we picked it: [one line once approved by the affiliate program].
Best for: [who it’s for]
View course →STEP 03
Think like the wealthy
The lesson: your behaviour with money matters more than your income. These change how you think, not just what you do.
The Psychology of Money
Why we picked it: short stories that change how you think about wealth, greed and risk.
Best for: everyone — start here
Get the book →Financial Markets (Yale, on Coursera)
Why we picked it: a university-level overview of how markets, risk and banking really work.
Best for: going deeper
View course →Some links on this page earn Arethyn a commission at no extra cost to you. We only recommend tools we believe in. Nothing here is financial advice. Read our full disclosure.