The journey to financial independence is so much easier when you have the right tools. Below is a list of products and services I personally use to help reduce expenses, track my finances, and make my life better in general.

Some of the links are affiliate links, meaning I receive a small commission if you click through to these sites and sign up for these products and services.

Personal Capital

Personal Capital is a financial tracking tool I have been using since 2015. It lets you see all your investments, income, and expenses all in one place online. It even offers investment advice and recommendations. It’s easy to set up, easy to use, and best of all it’s free.


Although I was fortunate enough to graduate college without student loans, I personally know friends who have successfully used Sofi to refinance their own student loans. Sofi also does personal and mortgage loans.


I personally use Vanguard as my online brokerage firm. They have the lowest expense ratios among all brokerages currently out there. Most personal finance writers will also recommend Vanguard, simply for their low fees and fantastic customer service.

Ally Bank

I use Ally for my online savings account. Their 1.05% interest rate is among the highest interest rates offered on the market. Their customer service is also great.


I personally use Ting as my mobile phone provider. By switching from a major carrier to Ting, I reduced my monthly cell phone bill to $18 per month. I highly recommend checking them out if you’re currently stuck with a ridiculous overpriced contract with a major carrier.


I host my blog using Bluehost and I personally recommend their services for anyone looking to start a blog. They’re hugely popular within the blogging community and for good reason –  you would be hard pressed to find a better deal with more reliable service. If you sign up through this affiliate link or the one above I’ll receive a commission from Bluehost with no additional cost on your end.

Net Worth Tracker

You can download the exact spreadsheet I use to track my net worth here


My whole philosophy behind Four Pillar Freedom is the idea that financial independence isn’t all about finances. It’s about understanding philosophy, psychology, and work ethic as well. The following books have all been valuable to me in one way or another on my journey, teaching me about philosophy, psychology, work ethic, finance, and generally how to lead a good life.

Books on Philosophy

Ego is the Enemy by Ryan Holiday


This book beautifully explains how the number one hurdle we must overcome to do good work, have thriving relationships, and reach our goals is our ego.

Man’s Search for Meaning by Victor Frankl


A poignant first person account from a Holocaust survivor on how to find meaning in the midst of tragedy and what it means to be human. This book places our so called “problems” we face on a daily basis into perspective.

On the Shortness of Life by Seneca


This tiny book is overflowing with practical, straightforward advice on how to make the most of our short time on earth. This is one of the few physical books I actually keep on my desk because I revisit it so often for guidance and wisdom.

Books on Psychology

Mindset by Carol Dweck


This book was essential in helping me develop a “growth” mindset instead of a “fixed” mindset. I can’t put into words how profoundly life changing this book can be if you really understand the principles within it.

Grit by Angela Duckworth


Grit is a book with a simple message: No matter what you want in life, your success depends far more on your grit and perseverance than your innate talent.

Tools of Titans by Tim Ferriss


Tools of Titans is packed with incredible advice from world class performers. I gleaned a ridiculous amount of helpful habits and routines from this book that I use everyday.

Books on Work Ethic

Resilience by Eric Greitens


Navy Seal Eric Greitens shares life changing advice in this book on how to live a better life through embracing adversity and cultivating a mindset of resilience. 

The Slight Edge by Jeff Olson


This book is all about the transforming power of habits. If you can change your habits, you can change your life. It is by far one of the most influential books I have ever read.

The War of Art by Steven Pressfield


The War of Art is all about overcoming procrastination to accomplish the work you really want to get done. It’s a fantastic, short read.

Books on Finance

Your Money or Your Life by Vicki Robin & Joe Domiguez


This is another book that completely changed my mindset. It drives home the point that money is not just “money” – it has the ability to change your life if you view it as a tool.

Stocks for the Long Run by Jeremy Siegel


This is by and large my favorite book on investing. It explains why stocks are the most powerful asset class for long term wealth creation. It’s a must read for any serious investor.

The Richest Man in Babylon by George Clason


This book is a classic in the personal finance community. It uses a simple parable to explain how to accumulate wealth along with the power of saving and investing. It’s a quick read too.