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Want to watch our review? Check our video here directly from YouTube [5 MINS]: M1 High-Yield Cash Account
https://youtu.be/YuAErBnB7vY
Unveiling the Power of M1 High-Yield Cash Account
In this comprehensive guide, we will delve into the details of the M1 High-Yield Cash Account, exploring its features, benefits, and how it can supercharge your money journey.
Security and Peace of Mind
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No Minimums, High Rewards
Unlike many high-yield accounts that require substantial deposits or even direct deposits, the M1 High-Yield Cash Account welcomes you with no minimum opening balance. This means you can start earning an impressive APY right away, regardless of the amount you initially put in.
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Multiple Accounts, Diverse Goals
With the M1 High-Yield Cash Account, you can open up to five accounts (including one joint account), allowing you to tailor your money strategy to your specific needs. Whether you’re building an emergency fund, saving for a vacation, or planning for retirement, this account offers the flexibility to accommodate your diverse financial goals.
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One of the most satisfying aspects of earning a high yield on your money is witnessing your money grow over time. The M1 High-Yield Cash Account makes it easy to track your interest earnings, both annually and over the lifetime of the account. This feature provides a tangible reminder of your financial achievements and motivates you to continue to deposit more into the account.
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Integrated Financial Ecosystem
If you have other M1 accounts, such as M1 Invest, you can seamlessly transfer funds between them. This integration simplifies your financial management and allows you to optimize your investment strategies.
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Stay Tuned for More M1 Insights
We’re passionate about empowering you with the tools and knowledge to achieve financial success. Be sure to check out our M1 Finance Investing review to keep learning right here.
Some of the links included in this post are affiliate links. Read my disclosure policy.
Hey Money Nerds!
Today I wanted to do a first look at SoFi Money. Now, over the last few years, I’ve been pretty much doing all my banking online with Capital One 360 and love it. So when I hear of new online banks (especially ones offering sweets sign-up bonuses) I’m all ears and ready to go. This first look isn’t my full review, I will be doing that after I’ve had a few weeks/months under my belt with this account. That will be a full pros/cons post.
So while doing research for a video about churning bank accounts to make extra money, SoFi Money was one of the banks that popped up. I’ve known of SoFi because of my article on The Best Student Loan Companies. They are a big player in the refinance game. So when I found out about them getting into online banking I was excited.
The first thing to note with SoFi Money is that it’s pretty much a savings and checking account rolled into one. And as of this writing, you can only have one account overall (I really hope this changes for the future). The interest rate when I first opened the account was 2.25% which is on the higher end of most online banks*. I love earning money on my money that’s just sitting there. This interest is earned daily and paid out once a month.
*Update: As of 1/16/20 the interest rate dropped to 1.60% For me, getting only one account would make it tough to use this as my overall bank. I prefer to have multiple checking and saving accounts as it keeps my money well organized. Now on the other hand, if you’re wanting a place to store your emergency fund or other types of sinking funds in a bank with a high-interest rate, this might just work.
When I transfer funds into the account, just like most online banks it does take some time to process. So far it’s about 2-3 business days before the money is available to use. That can hold some people off because to be real, that’s a long time to wait. With all the Free Money Transfer Apps out there that typically take 1 business day to transfer, and even Zelle that’s almost instant, 3 days is an eternity.
Check out my video on YouTube for the SoFi Set-Up Tutorial right here👇
Fees are killer when it comes to traditional banks and thankfully SoFi money has no fees when it comes to managing your account. I haven’t tested what would happen if I charged more than what I had available but based on what I’ve read in the terms, I wouldn’t be crazy fees.
You do also get a debit card to go with your online bank. It took about 5 business days for my card to arrive at my home (you put in the address during the sign-up process). Which is nice and makes using your money in the account much easier, no need to transfer to your regular bank at that point.
SoFi Money does provide an account number and routing number for you which may seem like a no-brainer but other cash management systems such as Venmo and Cash App don’t. So why is this important? For paying bills! You can pay bills, deposit checks and send money all with the app.
Speaking of the app, it’s straight forward in what it can do. Nothing special about the app right off the bat and all the important information is easy to find. They have a nice weekly spending chart to help you keep track of how much is going out of the account. If you have any other loans or invest with SoFi this will actually be the same app. Everything is in one location which depending on the person can be a good or bad thing.
Overall as a first look, I’m pretty excited for more online banks to become the norm for people. With little to no fees, high yield interest rates, and almost all the features of a regular bank. What’s not to love? I think the lack of multiple accounts will be the biggest drawback in the long run for me but I’m still excited to test out the app and see how it works for a few weeks/months. I’ll post my full review here on-site and YouTube in the coming months.
SoFi Money First Look: 3.8/5
Sign-up with SoFi money right here today with this referral link to earn a sign-up bonus. Deposit $100 within the first 14 days of opening the account. *The sign-up bonus can change at any time.
The Cash App to put in its simplest form is an application that allows you to transfer money to and from friends and family withing moments. The Cash App is very similar to Venmo in how it functions. You might be asking yourself then why have the Cash App if it does what Venmo does? Good question and the simple answer is to have all options of receiving and sending money in case someone only has one or the other. In other words, you would be the most prepared.
Before we continue there are two things to mention. First, there is a corresponding video I made to this post that you can watch directly below. Second, if you are interested in the referral code before the bottom of this post here it is: $5 Cash App Referral Link
Now there are a few things you need to do before getting the $5. You need to use a referral link (mine or someone else’s), add a bank account, and send at least $5 or more to a friend or family. Fun Tip: If you send it to a family member you can have them sent it right back 😉 After that, you can refer people and get $5 per person (yes, that means I get $5 for you joining. It will most likely go towards feeding my dog, Daisy). Keep in mind that it can take up to 10 minutes to get the bonus.
How to use the Cash App is pretty simple. When you download the app you can either sign up with an email or phone number. The phone number just seemed easier so I took that route. Next, it will have you confirm the number and then for the referral code and you’ll see my face pop up. Now it’s going to ask for your bank card, but you can skip it and add the bank account info later. Next, it will proceed to ask for the first and last name followed by your zip code. Next up is your CashTag (username) that you create. Lastly, you’ll have the opportunity to invite friends and family, you can do this later as well.
Now you have an account. Easy right? I thought so. To add money to your account you can go to the left side of the app to add a bank account. You’ll see where it says add bank. Here you’ll see some popular banks, but you can hit ‘Other’ to add the routing and account number from the bank. Once you have the first $5 on to your account then on the main page (the green one with the numbers) put in any amount and click ‘pay’ to go to the contacts page to choose who to send the money to, it will ask permission to access your contacts. I gave access to make it a whole lot easier. You can also add a note to the payment if needed.
And just like that, you are a pro at using the Cash App!!! Of course, there are a few other features on the app such as the Cash Card which allows you to order a free custom debit card to spend the money on the account in person or online. You can also withdraw money from the app to your bank (once it’s added). Now as far as use. I find it very easy to use and fluid. Now I also use Venmo and both are very similar, although I would say that Venmo seems to transfer the money a bit faster, but nothing too dramatic. I ordered the free debit card which you can customize and it’s pretty cool. I was also able to add the card info onto my Apple Wallet which is even cooler. So far so good with the Cash App and I think it’s a no brainer to have it downloaded as I mentioned just in case that’s the only option for the friend or family member when you need to send or receive money. Plus who doesn’t like $5 for very little work?
Overall I don’t see too many negatives with having the app. I haven’t run into issues while using it over the last few months. The biggest negative would be that maybe someone I need to send money to doesn’t have the app (but then we both win and make $5 each). Haven’t had to use their customer support (will update if that changes). When exploring the support page I did see options for disputing charges or other issues.
I hope this post helped in some way making the decision of whether to download the Cash App or not. As mentioned earlier here is the video that goes along with this post. I had a screen recording of the entire set up process from a phone if that helps. Here is the link once more for downloading the Cash App and the referral code
Some of the links included in this post are affiliate links. Read my disclosure policy.
Hello Fellow Wealth Builders,
Today I wanted to share my video about how to use ibotta and how you can earn some cashback for your everyday purchases. I’ve been testing this app for a little while now and find it easy to use and overall a good app to earn money back. In the video below you can see how to go through the process of picking offers, adding them to your list and how to redeem the receipt. Fairly easy process and you’ll see in the video. I hope you enjoy the video and get value out of it. If you decide to download the app make sure to use the referral code: enufcrt or click here to earn $10 after redeeming your first offer. Great side note, you only need a total of $20 to cash out. I personally use the app and am happy with it. I have gotten paid out from my earning through the app. This one is a winner for those wanted to make a little bit of side hustle money to put towards debt or build wealth.
Your friendly neighborhood financial friend, Denis
