I can’t recommend Monarch strongly enough. It is a service that aggregates across bank accounts, brokerage, credit cards, etc.
The killer feature for me is that it provides overall money in/money out, with some good visualizations too. This is nontrivial for anyone using multiple credit cards or bank accounts, and is *critical* information for being a responsible adult IMO.
It also has budgeting, investment tracking tools, etc. But these stay out of your way if you just want to look at overall metrics like in/out over time, or net worth.
I showed my financial advisor and he was so impressed he picked up their advisor product (https://www.monarchmoney.com/for-professionals). So I don’t have to pay for a subscription anymore myself!
I strongly believe everyone should use a tool like Monarch for financial situational awareness.
Seconded. The Yoto is great. It also supports arbitrary MP3 assignment to their NFC cards. It’s all proprietary but has been rock solid over multiple years.
I grew up in a small town in the US before cell phones were ubiquitous.
When we started getting cell phones, the numbers all had the same first six digits. The last four were assigned in order of provisioning.
My friend and I got our phones at nearly the same time, so our numbers were like 555-555-1004 and 555-555-1008.
This came in handy when I was going to visit him years later, and my phone died on the plane. I didn’t have anyone’s cell number memorized other than my parents (555-555-1013) and his thanks to the numeric similarity. (We kept the same phone numbers when we moved away from home.)
In this town, landline phones also all shared the same first six digits. Before cell phones got into the mix in the late 1990s, people could (and did) use 5 digits to represent phone numbers: 3-XXXX where the 3 referred to the first digit of the “exchange code”. The next town was 8-XXXX, etc.
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