Now that you’ve calculated your time horizon to financial independence, we strongly encourage you to start tracking your money. We believe that Empower is the most comprehensive free financial tool you can find online to manage your finances and track towards your FI date.

We love the free features Empower offers, including the ability to:

• Track and manage your income and expenses
• Track your net worth
• Analyze your investment portfolios for excessive fees (this is especially important early on in your FI journey)
• Analyze your investment portfolios for proper asset allocation
• Run various retirement planning calculations with their amazing retirement calculators

Our favorite financial management tool is free to use and take less than a minute to sign up. Though you must create Empower login credentials to use them, you don't need to enroll in Empower's advisory service. As you may know, we always try to avoid fees whenever possible. We also strongly recommend fee-only financial advisors, so you know how much you're paying up front and avoid advice with conflicts of interest. By signing up with Empower for free and aggregating all your accounts in one place, you'll be well on your way toward financial independence.

Now that you’ve calculated your time horizon to financial independence, we strongly encourage you to start tracking your money. We believe that CoPilot is the most comprehensive budgeting tool you can find online to manage your finances and track towards your FI date. It's the budget app that Taylor and I use daily, and we love it.

Use the code "FIRE2M" to start your free trial today!

We love the features copilot offers:

• 💳 Automatically tracks your subscriptions and bills
• 📊 Aggregates all your investments in one place, to help you compare performance over time
• 📈 Shows you an end-of-month summary of your spending and how your net worth changed
• 🚨 Notifies you when you get paid and alerts you to unusual spending or trends
• 🤖 Unlimited connection support for tens of thousands of financial institutions, with additional custom integrations for favorite products like Venmo, Amazon, and Apple Card
• 🏡 Tracks your home equity by combining real estate valuations with mortgage balances
• 🤝 In-app chat support (with real humans) ready to help support your Copilot experience