Money Saving Resources

Please note: this Money Saving Resources page is a list of resources we use to build wealth over time, as well as resources we learn about and are considering and/or evaluating that may be helpful to others. You may want to bookmark the page and check back occasionally given we update the page whenever we come across new money making (or money saving) resources.

[LAST UPDATE: November 2018]

Boss Man Jax | Favorites


Most wealthy folks agree, millionaires are made by cutting wasteful spending. In fact, $10 bucks at a time helps you create the habits necessary to become financially independent sooner rather than later in life. - Boss Man Jax

Coupons are money not printed on green paper. Almost every millionaire I know uses or has used coupons. - Boss Man Jax

Credit Card Bonus Deals

Every year, we "make money" by signing up for credit card deals. We are not following every possible credit card deal on Boss Man Jax (there are other sites for credit card offers). What I can tell you, is the most recent deal we signed up for was with AMEX. We chose this card after reviewing dozens of credit card deals:


Are you looking for a retirement financial planner spreadsheet for your financial independence (FI)? Trying to determine how much to save to reach your goals? If so, a basic financial model (spreadsheet) will help you determine the best path to your success. You don't need computer modeling skills, just download the Retirement Financial Planner spreadsheet and plugin your numbers: Retirement Financial Planner Spreadsheet

Library Card - the vast majority of financial books I read are read online; either audio books or books (eBooks) you can read using a browser. Occasionally, I will purchase a book but it is rare now. I like saving money, investing it, and building wealth. Obtaining a local library card and checking books out online allows you to educate yourself about building wealth without spending a dime (i.e., another way to cut wasteful spending). Here are a few finance related books I checked out from the local library online and read this year (2018):

  • The Automatic Millionaire by David Bach (read my review of the book here)
  • Your Money or Your Life by Vicki Robin and Joe Dominguez (read my review of the book here)
  • You Are a Badass at Making Money - Master the Mindset of Wealth by Jen Sincero (Audio book)
  • The Warren Buffett Way by Robert Hagstrom (Audio book)

Retire "rich," save 15 to 20 percent of your income (start early in your career). If you want to retire early (FIRE), save 20 percent or more. - Boss Man Jax

Nerd Wallet - Best Reward Credit Cards and Credit Card Deals | we have made thousands of dollars (not exaggerating) learning about, and taking advantage of, credit card deals on Nerd Wallet and similar websites. However, you must first gain total control of your credit score. Nerd Wallet allows you to check and track your credit score for free. Most credit card companies, such as Discover, Wells Fargo, etc., have the free credit score tracking feature now.

Credit Karma - Years ago, the Boss Man Jax Family started credit score tracking using Credit Karma given it was free; still is free to use today. Now, we track our credit score using our online banks and credit card companies since they also offer the service for free. We still visit Credit Karma occasionally, given it is an excellent educational resource and it allows you to drill down on the specifics that make up your credit score. Definitely recommended for those getting started. They have a lot of good financial advice associated with understanding and improving your credit score.



The following resources can help you build wealth over time.

Financial Education

National Foundation for Credit Counseling (NFCC): the NFCC was founded in 1951 and it is the nation’s largest and longest-serving nonprofit financial counseling organization. Their mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.

2017 Consumer Financial Literacy Surveysurvey provides a look at the American consumer’s level of knowledge as it relates to financial literacy. It also provides trends associated with personal finance behavior as it relates to: retirement, savings, credit card debt, student loan debt, etc. The survey was conducted online within the United States by Harris Poll.

NerdWallet: How to get free financial advice

Taxpayer Advocate Service: Need help with a specific tax problem? If you are having tax problems and have not been able to resolve them with the IRS, the Taxpayer Advocate Service (TAS) may be able to help you. The service is free.

Association for Financial Counseling and Planning Education: When you work with an AFC® professional you receive financial education and guidance specific to your unique situation and needs. An AFC will never sell you products.

Foundation for Financial Planning: offers pro bono financial planning services for people who are financially vulnerable, including wounded veterans, domestic violence survivors and cancer patients.


Saving Money


Acorns helps you invest automatically by saving and investing your spare change; it is a simple way to grow your wealth and net worth over time. Basically, you set aside spare change or extra cash automatically as you go about your day using this app. It costs as little as $1/month to use the Acorns app.


We have used BankRate for years to research rates and save money. It is an excellent website for researching mortgage rates, money market rates, and online savings account interest rates (Barclay's Online Savings Account is a good one), and credit card deals (we make money with our credit cards). BankRate regularly surveys large lenders in all 50 states to determine average rates and help you find the best deal.

Relocation Calculator (where to live for less)

Moving from Newport Beach, California, to a coastal city in Florida will lower your cost of living by more than 50 percent according to the salary calculator at


Trim is a tool that helps you automate ways to save money. Trim will analyze your accounts to find recurring subscriptions and determine where you can save more money. Basically, it helps you to reduce wasteful spending, save more, and build wealth or just have a little more money to get out of debt.

Investing | Bonds

Treasury Direct

Treasury Direct is a U.S. Government website (treasury bonds) that allows you to purchase treasury bonds directly from the U.S. Government.

Financial Calculators | RMD | Social Security | Investment Return Estimates

Social Security Required Minimum Distribution (RMD) Calculator

If you’re age 70½ or over and have a Traditional, Rollover, SEP, Individual/Solo 401(k) or SIMPLE IRA (not Roth IRAs), you’re required by law to take Required Minimum Distributions (RMDs) on an annual basis. There are several tools you can use to to estimate your annual RMD distributions. The RMD calculator tools will help you understand the RMD requirements and help you estimate the annual withdrawals required by the IRS once you are 70 1/2 years old.

  • Kiplinger's RMD Calculator Tool | This RMD calculator is a simple tool to compute your mandatory minimum distributions from a traditional IRA, which start when you hit age 70 1/2. All you need is your age at the end of 2018 and the total balance of your traditional IRA accounts as of December 31, 2017. Do not include balances from Roth IRAs.
  • Charles Schwab's RMD Calculator | This RMD calculator tool includes a calculation to estimate your IRA's future value based on your current age and the current total value of your retirement accounts subject to the required minimum distribution (i.e., traditional IRA(s), SEP, Simple IRA, etc.).

Social Security Statements & Calculators

  • Social Security Statements: Periodically, visit the social security website and review your account. The Social Security Administration mails your statement to you; save them for your records and check to make sure you are receiving full credit for your earnings. It is important to understand how your benefits change when claimed at various ages.
  • There are a number of social security strategies to consider before claiming your benefits and there are more than a few online calculators to help you evaluate your social security options. Here are two that may help you: Social Security Administration | When to start your benefits and AARP Social Security Benefits Calculator.


How to Save for a Vacation - includes tips for saving money for travel and a useful vacation budget calculator. Use the calculator to set spending limits and determine how much to save each month for your vacation.


Check back occasionally, there are several more money saving resources I can think of right now, but don't have time at the moment to add them (maybe this weekend). Thanks.

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