@david_lykhim

Free

Primary checking account with excellent customer service, no foreign exchange fees, and ATM fee reimbursement worldwide.

Outstanding customer service, overnight card replacement, secure system with travel-friendly features.

Free

High-yield savings account with ability to create multiple savings accounts for different goals.

Separate accounts for home down payment, wedding, travel, and rainy day fund. Easy mobile app.

0.25% + 0.11% expense ratio

Robo-advisor for Roth IRA and investment accounts with automatic rebalancing.

Prefers convenience of automated management over slightly higher fees compared to Vanguard.

Free trades

Stock trading platform for occasional stock picking and individual investments.

Made gains on Slack, took losses on Peloton. Good for small stock bets.

Trading fees apply

Primary cryptocurrency exchange with beautiful interface.

Started crypto investing in 2017. Also uses Coinbase Wallet for storage.

Gas fees + marketplace fees

NFT marketplace for digital collectibles and art.

Bought Nas NFT for personal interest and Leveling Up Heroes NFT. Advises caution with NFT investing.

0.85% annual fee

Real estate investment platform for REITs without buying property directly.

Testing with a few thousand dollars to evaluate returns. Limited additional investment.

Investment minimums vary

Crowdfunding platform for startup investments.

High risk - most startups fail and returns take years. Only invest money you can afford to lose.

Low fees

401k service with simple, sleek app and low fees. Rolled over previous 401ks here.

Much better user experience than Fidelity or Empower My Retirement. Clean interface.

Free

Net worth tracking and financial account aggregation.

Connects all financial accounts, tracks net worth changes over time, spending categorization.

Free

Custom budgeting and financial planning spreadsheets.

Created detailed budgeting template. Helps decide where to allocate additional income.

Monthly/annual fee based on complexity

Financial advisor providing comprehensive planning and estate services.

Used for 3 years. Flat fee based on financial complexity. Now offers estate planning.

Premium accounting fees

Professional tax preparation and financial consulting.

Works with Nick Jackson. White glove service with detailed explanations of tax implications.

Free broker service

Insurance broker for condo, auto, and disability insurance across multiple providers.

Service quality varies by rep, but saves time getting quotes from multiple insurers.