Discover the steps you need to take to reach FINANCIAL INDEPENDENCE.

The tools you need to build solid wealth

Welcome to The Money Twins DIY resource page.  We’ve curated tools, content and guides for each category to help you build Solid Wealth on your way to Financial Independence.

We’ve either used, or vetted each and every resource on here to help point you in the right direction.  If you haven’t already, take our Money Assessment to learn where you should get started.

Here is an important disclosure about our DIY page: 

Some of the links below are affiliate links, which means that if you choose to make a purchase, we will earn a commission. This commission comes at no additional cost to you. Please understand that we have experience with all of these companies, and we recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.

BUDGETING

The Money Twins Guide To:

BUDGETING like a pro

Everyone should have a budget. 

Budget Like A Pro with our 10 page workbook to give you clarity on where you spend your money.

The Money Twins Guide To:

BUDGETING like a pro

Everyone should have a budget. 

Budget Like A Pro with our 10 page workbook to give you clarity on where you spend your money.

THE DIFFERENCE BETWEEN A NEED AND A WANT

Listen Now

Sometimes it’s hard to determine whether we should buy something or not.  In this episode of The Money Twins Podcast, we discuss ways to determine the difference between a need and a want, and ways to keep you from over spending.

 

THE DIFFERENCE BETWEEN A NEED AND A WANT

Sometimes it’s hard to determine whether we should buy something or not.  In this episode of The Money Twins Podcast, we discuss ways to determine the difference between a need and a want, and ways to keep you from over spending.

 

TMT #1:  BUDGETING APP

Spend and save better, together.

 

Tracking your spending is at the top of the list when building a solid foundation.  It keeps you on track and focused to building solid wealth.  Honeyfi is our favorite budgeting app for young families.

Start tracking your expenses and get organized with this free app.

TMT #1:  BUDGETING APP

Spend and save better, together.

 

Tracking your spending is at the top of the list when building a solid foundation.  It keeps you on track and focused to building solid wealth.  Honeyfi is our favorite budgeting app for young families.

Start tracking your expenses and get organized with this free app.

TMT #1:  BILLS NEGOTIATOR

THE NO-HASSEL WAY TO SAVE.

We all know we need to lower our bills whenever possible.  But, the negotiating part isn’t always fun.

BILLSHARK’s expert negotiators boast an 85% success rate and can help you lower bills quickly.

Calculate how much you can save per bill in 15 seconds.

TMT #1:  BILLS NEGOTIATOR

THE NO-HASSEL WAY TO SAVE.

We all know we need to lower our bills whenever possible.  But, the negotiating part isn’t always fun.

BILLSHARK’s expert negotiators boast an 85% success rate and can help you lower bills quickly.

Calculate how much you can save per bill in 15 seconds.

Emergency fund

The Money Twins Guide To:

Emergency Fund

Everyone needs an emergency fund to soften the blow of unexpected expenses.

But how much should you have?

This guide will walk you through exactly how much should be in your savings account.

The Money Twins Guide To:

Emergency Fund

Everyone needs an emergency fund to soften the blow of unexpected expenses.

But how much should you have?

This guide will walk you through exactly how much should be in your savings account.

TMT #1:  ONLINE SAVINGS

OUR FAVORITE ONLINE BANK

These days, brick and mortar banks aren’t entirely necessary.  With less overhead, online banks may offer higher interest rates and lower fees.

Ally Bank is one of our favorite online banks that gives you easy access to your money, when you need it.

Check out their rates on opening an online savings account.

TMT #1:  ONLINE SAVINGS

THE BEST ONLINE BANK

These days, brick and mortar banks aren’t entirely necessary.  With less overhead, online banks may offer higher interest rates and lower fees.

Ally Bank is one of our favorite online banks that gives you easy access to your money, when you need it.

Check out their rates on opening an online savings account.

TMT #1:  SAVINGS ACCOUNT ALTERNATIVE

Betterment’s Smart Saver savings account makes it easy to save.

It’s Two Way Sweep will automatically sweep cash to and from your checking account to avoid overdraft fees and to earn a higher interest rate when you have excess cash in your checking account. 

TMT #1:  SAVINGS ACCOUNT ALTERNATIVE

Betterment’s Smart Saver savings account makes it easy to save.

It’s Two Way Sweep will automatically sweep cash to and from your checking account to avoid overdraft fees and to earn a higher interest rate when you have excess cash in your checking account. 

insurance

The Money Twins Guide To:

insurance

This guide will walk you through how much insurance you should have along with an organizer to keep all your policies in order.

Keeping your insurance information in one place can help make a tough situation a little easier.

The Money Twins Guide To:

insurance

This guide will walk you through how much insurance you should have along with an organizer to keep all your policies in order.

Keeping your insurance information in one place can help make a tough situation a little easier.

Transferring Risk and Why Insurance Isn’t a Dirty Word

Listen Now

Insurance is often looked at as a dirty word, and a lot of people say they don’t believe it in.  Matt explains why insurance shouldn’t be put in the same category as a “fairy tale”. 

The guys also discuss how to go about understanding the amount of insurance you need when shopping for life insurance, and how much money a stay-at-home parent really is saving the family.  

Your ability to earn income is your largest asset, how will you replace it?

Transferring Risk and Why Insurance Isn’t a Dirty Word

Insurance is often looked at as a dirty word, and a lot of people say they don’t believe it in.  Matt explains why insurance shouldn’t be put in the same category as a “fairy tale”. 

The guys also discuss how to go about understanding the amount of insurance you need when shopping for life insurance, and how much money a stay-at-home parent really is saving the family.  

Your ability to earn income is your largest asset, how will you replace it?

TMT #1:  DIY INSURANCE

THE EASY WAY TO COMPARE AND BUY INSURANCE.

Policygenius is our #1 recommendation for term life insurance and disability insurance.

They make is very easy to get quick and accurate quotes.  Policygenius uses a series of questions to match you with the best providers that make sense for you, not them.

We highly recommend using Policygenius for not only Life and Disability insurance, but for all your other insurances.

TMT #1:  DIY INSURANCE

THE EASY WAY TO COMPARE AND BUY INSURANCE.

Policygenius is our #1 recommendation for term life insurance and disability insurance.

They make is very easy to get quick and accurate quotes.  Policygenius uses a series of questions to match you with the best providers that make sense for you, not them.

We highly recommend using Policygenius for not only Life and Disability insurance, but for all your other insurances.

estate Planning

TMT AUDIO TRAINING:

Estate planning 101

Should you get a will or a trust?

Estate Planning isn’t exactly the most exciting conversation to have with your spouse.

Brad breaks down which makes sense for you and your family, and why everyone should be having this conversation.

TMT AUDIO TRAINING:

Estate planning 101

Should you get a will or a trust?

Estate Planning isn’t exactly the most exciting conversation to have.

Brad breaks down which makes sense for you and your family, and why everyone should be having this conversation.

TMT #1:  QUICK AND EASY ESTATE PLAN

Trust & Will makes it easy to get the legal documents you need.

Whether it’s assigning a legal guardian to your kids before taking the trip of your dreams, or putting rules in place after you’re gone.

Trust & Will makes it easy. 

TMT #1:  QUICK AND EASY ESTATE PLAN

Trust & Will makes it easy to get the legal documents you need.

Whether it’s assigning a legal guardian to your kids before taking the trip of your dreams, or putting rules in place after you’re gone.

Trust & Will makes it easy. 

TMT #1:  LEGAL DOCUMENTS FOR HOME AND BUSINESS

WHERE LIFE MEETS LEGAL

LegalZoom is a website where you can get legal documents taken care of for both business and personal.

We like working with LegalZoom because you have the opportunity to speak with real life attorneys if you need a little extra help.

If you’re looking for estate planning, they can help.  If you need help with your new side hustle or business, they can help with that too.

TMT #1:  LEGAL DOCUMENTS FOR HOME AND BUSINESS

WHERE LIFE MEETS LEGAL

LegalZoom is a website where you can get legal documents done for both business and personal.

We like working with LegalZoom because you have the opportunity to speak with real life attorneys if you need a little extra help.

If you’re looking for estate planning, they can help.  If you need help with your new side hustle or business, they can help with that too.

debt

The Money Twins Guide To:

debt organization

Owing people money isn’t a situation you want to be in. 

If you have debt, you’re not alone.  It’s estimated the total U.S. consumer debt is currently at 13.51 TRILLION dollars.

Download this free guide and organize all your credit cards and loans to help get you out of debt as fast as possible.

The Money Twins Guide To:

debt organization

Owing people money isn’t a situation you want to be in. 

If you have debt, you’re not alone.  It’s estimated the total U.S. consumer debt is currently at 13.51 TRILLION dollars.

Download this free guide and organize all your credit cards and loans to help get you out of debt as fast as possible.

TMT AUDIO TRAINING:

Credit Cards 101

In this free audio training, Matt explains the best strategies to stop unecessary spending, along with which strategy can help get you out of debt the fastest.

He also shows you how credit card programs can help you hit your short term goals, so you can put your money towards your future.

TMT AUDIO TRAINING:

Credit Cards 101

In this free audio training, Matt explains the best strategies to stop unecessary spending, along with which strategy can help get you out of debt the fastest.

He also shows you how credit card programs can help you hit your short term goals, so you can put your money towards your future.

RETIREMENT

The Money Twins Guide To:

401k

Roth, Pre-Tax, After-Tax?  What the heck does all this mean?

This guide explains the 401k lingo and the rules of each option, along with a few tips to consider when choosing which is best for you.

The Money Twins Guide To:

401k

Roth, Pre-Tax, After-Tax?  What the heck does all this mean?

This guide explains the 401k lingo and the rules of each option, along with a few tips to consider when choosing which is best for you.

TMT AUDIO TRAINING:

ROTH OR PRE-TAX

Which one is best for you?

Retirement is a very personal conversation, and taking your buddy’s word for it doesn’t mean it’s best for you.

This free audio download explains what to look for when making your decision.

TMT AUDIO TRAINING:

ROTH OR PRE-TAX

Which one is best for you?

Retirement is a very personal conversation, and taking your buddy’s word for it doesn’t mean it’s best for you.

This free audio download explains what to look for when making your decision.

TMT #1:  ROBO-ADVISOR

We believe some things are best left to the professionals.

Betterment has low fee portfolio’s so you can sleep peacefully knowing your retirement is being looked after.

Talk to one of their CFPs to see if you’re on track to reach financial independence.

TMT #1:  ROBO-ADVISOR

We believe some things are best left to the professionals.

Betterment has low fee portfolio’s so you can sleep peacefully knowing your retirement is being looked after.

Talk to one of their CFPs to see if you’re on track to reach financial independence.

Goals

The Money Twins Guide To:

goal Planning

Goals are the single most important piece in building wealth.

Did you know having clearly defined goals in place gives you a 2x better chance of saving?

Get organized with our Guide to Goal Planning and start living the life of your dreams!

The Money Twins Guide To:

goal Planning

Goals are the single most important piece in building wealth.

Did you know having clearly defined goals in place gives you a 2x better chance of saving?

Get organized with our Guide to Goal Planning and start living the life of your dreams!

Make More Money

HOW DIVERSIFYING YOUR INCOME CAN HELP YOU REACH YOUR GOALS FASTER

Diversifying your income is as important as diversifying your investments.

In this episode, we discuss why its important to create multiple sources of income and a few ideas on where to get started.

Sometimes, we need to make a little extra money.

HOW DIVERSIFYING YOUR INCOME CAN HELP YOU REACH YOUR GOALS FASTER

Diversifying your income is as important as diversifying your investments.

In this episode, we discuss why its important to create multiple sources of income and a few ideas on where to get started.

Sometimes, we need to make a little extra money.

TMT #1:  ECOMMERCE SOFTWARE

Build Your Business.

Shopify is our #1 website for building an online store.

If you’re looking to create a dropshipping company to sell your products, or someone elses, Shopify is the easiest way to get started.

Use them to build out your site, brand and online store.

 

TMT #1:  ECOMMERCE SOFTWARE

Build Your Business.

Shopify is our #1 website for building an online store.

If you’re looking to create a dropshipping company to sell your products, or someone elses, Shopify is the easiest way to get started.

Use them to build out your site, brand and online store.

 

TMT #1:  WEBSITE HOSTING

Host your website.

We personally use SiteGround to purchase our domains and host this very website.  They are very easy to work with, they have the best customer service and great prices.

That’s why SiteGround is #1 for website hosting.

 

TMT #1:  WEBSITE HOSTING

Host your website.

We personally use SiteGround to purchase our domains and host this very website.  They are very easy to work with, they have the best customer service and great prices.

That’s why SiteGround is #1 for website hosting.

 

TMT #1:  ECOMMERCE SOFTWARE

Build your sales page

Leadpages is probably the easiest way to build out a sales landing page.

With their tested designs, all you have to do is drag and drop your way to an optimal landing page, website, pop-ups, alert bars and beyond.

Use Leadpages to connect with customers, collect leads and create sales.

TMT #1:  ECOMMERCE SOFTWARE

Build your sales page

Leadpages is probably the easiest way to build out a sales landing page.

With their tested designs, all you have to do is drag and drop your way to an optimal landing page, website, pop-ups, alert bars and beyond.

Use Leadpages to connect with customers, collect leads and create sales.

TMT #1:  EMAIL MARKETING

EMAIL MARKETING PLATFORM

We’ve gone through a few email providers, and this is by far our favorite.

ActiveCampaign is not only cost-effective, but it’s also an extremely robust platform that allows you to use automation to reach and sell to your customers.

Get a 14-day free trial by clicking below.

TMT #1:  EMAIL MARKETING

EMAIL MARKETING PLATFORM

We’ve gone through a few email providers, and this is by far our favorite.

ActiveCampaign is not only cost-effective, but it’s also an extremely robust platform that allows you to use automation to reach and sell to your customers.

Get a 14-day free trial by clicking below.

Banking

TMT #1:  ONLINE BANKING

THE BEST ONLINE BANK

These days, brick and mortar banks aren’t entirely necessary.  With less overhead, online banks may offer higher interest rates and lower fees.

Ally Bank is one of our favorite online banks that gives you easy access to your money when you need it.

Check out their rates on opening an online savings account.

TMT #1:  ONLINE BANKING

THE BEST ONLINE BANK

These days, brick and mortar banks aren’t entirely necessary.  With less overhead, online banks may offer higher interest rates and lower fees.

Ally Bank is one of our favorite online banks that gives you easy access to your money when you need it.

Check out their rates on opening an online savings account.

TMT #1:  SAVINGS ACCOUNT ALTERNATIVE

Betterment’s Smart Saver savings account makes it easy to save.

It’s Two Way Sweep will automatically sweep cash to and from your checking account to avoid overdraft fees and to earn a higher interest rate when you have excess cash in your checking account. 

TMT #1:  SAVINGS ACCOUNT ALTERNATIVE

Betterment’s Smart Saver savings account makes it easy to save.

It’s Two Way Sweep will automatically sweep cash to and from your checking account to avoid overdraft fees and to earn a higher interest rate when you have excess cash in your checking account. 

Books

We’re compiling a list of our favorite reads.  Coming soon!

Become an insider

Our most valuable content teaching you how to build SOLID WEALTH.

The Money Twins Podcast

Join us weekly to talk money and goals.  We share our perspectives on personal finance, answer your questions, and inspire you to set new and exciting goals.


The Money Assessment

Discover the steps you need to take to reach FINANCIAL INDEPENDENCE.

After getting to know you through a series of questions, we give you what you need to do and in what order.

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This communication is strictly intended for individuals residing in the states of Florida, Michigan, Arizona, Nevada, New York, Ohio, and South Carolina.  No offers may be made or accepted from any resident outside the specific states referenced. Registered Representative Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC.  Investment Advisor Representative Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.  The Money Twins and Ruttenberg & Company are not affiliated with Cambridge.