Money Saving Resources

Please note: this Money Saving Resources page is a list of resources we use to build wealth over time. It also includes resources we are considering and/or evaluating that may be helpful to others. Bookmark the page and check back occasionally given this page is updated whenever we come across new money making (or money saving) resources.

[LAST UPDATE: Oct. 2020]

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Most wealthy folks agree, millionaires are made by cutting wasteful spending and investing; investing in yourself through basic financial education. In fact, saving $10 bucks at a time and investing the money you save helps you create the habits necessary to become financially independent sooner rather than later in life.
- 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:

Best AMEX Credit Card Bonus Deal - FYI: if you use our affiliate link here, you'll get an extra $50 bonus ($250 instead of $200 - gift from Boss Man Jax, it adds up fast).


Money Saving Resources

Are you looking for a retirement financial planner spreadsheet for your financial independence (FI)? 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. Get a library card and use it if you like saving money and building wealth. 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 during 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.

Next Avenue - Public media’s national journalism service for America’s booming older population. Daily content updates and perspectives on issues that matter most to older adults. The mission of the organization is to meet the needs and unleash the potential of older Americans through the power of media: visit

Education for Seniors and Life Long Learning

There are numerous free college courses available to older audits. For example, in my home state of Virginia residents as young as 60 can audit up to three classes each term at any state college or university for zero tuition. And if your taxable individual income is $23,850 or less, you can register as a full-time or part-time student and take classes for credit, tuition-free. Other fees may be charged. In South Carolina, residents 60 and up may attend classes, for credit or not, at any state-supported college or university without paying tuition.

AARP - List of "Free or Cheap" college courses for older adults in all 50 states. Visit AARP: "Pick up job skills or pursue a passion at little or no cost" lists these states as offering free college tuition for seniors: Alaska, Arkansas, Connecticut, Florida, Georgia, Illinois, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, North Carolina, Ohio, Rhode Island, South Dakota, Texas, Vermont, Virginia and Washington D.C. You'll need to research the universities and technical colleges participating in your area.

Road Scholar - A network of "Lifelong Learning Institutes" (LLIs) across the U.S., helping adults pursue learning close to home. NOTE this site does not appear to list "free" college classes you can audit and sometimes gain credits for free or that offer significant discounts. Visit:


The following resources can help you build wealth over time.

Discount Referral Links:

Advance Auto Parts: $30 off purchase of $80 - We purchase cabin air filters, regular air filters, wiper blades and related vehicle auto parts that require maintenance. You'll save money replacing them yourself (easy) verses the price you'll pay at Jiffy Lube, Goodyear, etc. (we get a $10 gift card if you use our affiliate link).

Cut Utility Expenses

Solar Panel System Investment for Retirement Low-Risk High Returns? We all love to cut expenses, save money and garner high-returns for our retirement savings. One smart thing to do is cut our utility costs and invest the savings in our retirement account; month after month. Did investing in a solar panel system come to mind?

Financial Education

Transamerica Center for Retirement Studies (TCRS): Understand what it takes to retire with financial security. The TCRS annual retirement survey covers the topic of employer benefit offerings and workers’ retirement preparations. The 18th Annual Retirement Survey (2018) examines aspects of retirement preparations where employers and workers are aligned in their thinking and where they are out of sync. This retirement survey includes a comparison of the 2007 and 2017 survey findings.

It should be underscored that many workers can do much more to adequately prepare themselves for retirement. A division of Transamerica Institute® (a nonprofit, private foundation), the. TCRS is dedicated to educating the public on emerging trends surrounding retirement security in the United States.

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

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

Several available: Retirement Calculators

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.


TaxAct Online Tax Tools & Calculators: TaxAct offers a variety of tools on its website to help with the tax filing process. You have access to a tax calendar to keep track of important dates and a tax planning checklist to ensure you have all the information you need. TaxAct also lists recent tax law changes that will affect the tax season. From tax brackets to tax refunds, TaxAct also offers free calculators that will help you better understand how your taxes work.

Savings Calculator - Estimate Your Savings Growth: TaxAct offers this savings calculator to determine the future value of your savings and the amount to save each month to reach your savings goal.

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.


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 that we'll add. If you have a favorite, please let us know. Thanks.

Economics 101 -- "How the Economic Machine Works" by Ray Dalio (video below).

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