Thrifty Tony

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Here are my favorite financial tools and services that I used every day. Some of them are 100% free while others require some sort of payment. In any case, I present to you the following resources that I have tried and tested and recommend to you.


Wealthfront is a robo-advisor that automatically invests your contributions in diversified set of asset classes including stocks, bonds, and real estate. Perfect for beginner investors, Wealthfront creates a portfolio based on your risk appetite.

Since 2016, I’ve had my Roth IRA with Wealthfront, and I love it because your can simply set it and forget it which is very important for investing long term.


After extensive research, Lively is one of the very few HSA administrators with no fees whatsoever. Lively has partnered with TD Ameritrade so you can invest your HSA in a great selection of low cost funds.

While I’m not currently contributing to it, I still have my HSA with Lively and I’m invested in SPTM.

Schwab Platinum Debit Card

With the Charles Schwab Bank Visa Platinum Debit Card debit card and the associated High Yield Investor Checking account, you can say goodbye to pretty much all bank fees. There are no service fees, account minimums, or foreign transaction fees. Probably best of all is that this debit card provides unlimited ATM fee rebates worldwide, so you can say goodbye to ATM fees forever.

I’ve had this debit card and checking account since 2017, and I don’t see myself switching to another bank anytime soon.