Tools I use

Tools and books worth your time

These are the apps and books we mention in the videos. For each one: what it does, who it's good for, and what to watch out for. Nothing here is a recommendation for your personal situation.

How we make money from this page

Some links on this page are, or will become, affiliate links. If you sign up through one, we may earn a commission at no extra cost to you. Every affiliate link is labelled. We don't list brokers or trading apps, and we never list CFD, forex or crypto trading platforms. Full disclosure.

Everyday banking and money abroad

Money abroad

Wise

What it is: A multi-currency account and cheap international transfers at the real exchange rate.
Good for: Moving abroad, getting paid in another currency, travelling.
Watch out: Wise is an e-money institution, not a bank: your balance is safeguarded but not covered by a deposit guarantee.

Visit Wise ↗

On a computer? Scan with your phone to open Wise in the app.

Affiliate link: I may earn a commission at no extra cost to you.

Bank

bunq

What it is: A Dutch app-only bank with sub-accounts you can split your salary into automatically.
Good for: The 1-hour money setup: separate pots for bills, buffer and fun.
Watch out: Most useful features sit in paid plans. Compare the monthly fee with what you would actually use.

Visit bunq ↗

Bank

N26

What it is: A German app-only bank with 'Spaces' for saving goals and instant spending notifications.
Good for: A simple free current account with good budgeting views.
Watch out: Features and interest differ per country and plan. Check what is offered where you live.

Visit N26 ↗

Bank

Revolut

What it is: An app bank with low-cost currency exchange and budgeting tools.
Good for: Travel and spending abroad.
Watch out: The app also pushes trading and crypto. Use it for everyday money and keep investing separate.

Visit Revolut ↗

Budgeting and tracking

Budgeting app

YNAB

What it is: A budgeting app built on giving every euro a job before you spend it.
Good for: Tracking every euro for 90 days and finding your money leaks.
Watch out: Paid subscription after the free trial. A free spreadsheet does the same job if you prefer.

Visit YNAB ↗

Wealth tracker

Finary

What it is: Shows all your accounts, investments and pension in one overview, including the fees you pay.
Good for: Spotting hidden fees and seeing your net worth grow.
Watch out: Advanced features need a paid plan. Connecting bank accounts means sharing data with a third party.

Visit Finary ↗

Side projects

For side projects

beehiiv

What it is: The newsletter platform we use for our own emails.
Good for: Starting your own newsletter or side income project.
Watch out: The free plan is enough to start. Paid plans only make sense once you have readers.

Visit beehiiv ↗

Affiliate link: I may earn a commission at no extra cost to you.