The Top 5 Money Apps For Getting Rich

Stop Wasting Time and Start Stacking Cash

If you’re not using these 5 apps to manage and grow your money, you’re leaving cash on the table. Period.

I don’t care if you’re a broke college student, a 9-to-5 worker, or a full-blown entrepreneur…these tools will help you take control of your finances, eliminate distractions, and make more money.

I’ve tested them all, and I’m going to break down exactly how I use each one to build wealth. Let’s dive in.

1. Monarch: The Ultimate Money Tracker

Monarch is the app I use to manage every single dollar in my life.

I track every expense, every investment, and every dollar that comes in or out of my accounts. It’s like having a personal CFO in your pocket.

Here’s how it works: You link up all your accounts…banks, credit cards, investments, everything.

Then, it automatically categorizes your transactions. But here’s the key—I go in and manually review every single one. I add custom tags and make sure everything is accurate.

Why? Because if you don’t know where your money is going, you’ll never get rich.

Monarch also shows you a graph of your net worth over time. Watching that line go up is addicting. It gamifies your finances and keeps you motivated to grow your wealth.

If you’re serious about managing your money, Monarch is non-negotiable.

2. Robinhood: The Best App for Investing

I use multiple investment platforms, but Robinhood is my go-to for trading.

The interface is clean, simple, and perfect for beginners. But don’t let that fool you, it’s also powerful enough for advanced strategies like options trading, iron condors, and credit spreads.

I love how Robinhood visualizes every trade. It makes complex strategies easy to understand.

Whether I’m buying deep-in-the-money calls or selling cash-secured puts, Robinhood makes it seamless.

I keep a chunk of my portfolio in Robinhood specifically for trading. If you’re not investing, you’re losing. Period.

3. QuickBooks: The Business Money Machine

If you’re running a business, QuickBooks is a must.

It’s like Monarch but for your business finances. It tracks every dollar you earn and spend, categorizes everything, and makes tax season a breeze.

Here’s the kicker: You can give your CPA access to your QuickBooks account, and they’ll have everything they need to file your taxes. No more scrambling for receipts or spreadsheets.

I use QuickBooks to keep my business finances razor-sharp. If you’re not tracking your business money, you’re leaving profit on the table.

4. Google Calendar: Your Time = Your Money

Time is money, and Google Calendar is how I maximize both.

I plan every hour of my day. Every. Single. Hour.

It might sound rigid, but it’s the opposite.

When you have a plan, you’re free to focus on what matters.

I schedule time to review my expenses in Monarch, analyze my investments in Robinhood, and tackle my most important tasks.

The result? I get more done in a day than most people do in a week. And that’s how you make more money.

If you’re not scheduling your time, you’re wasting it.

5. Focus Mode: Eliminate Distractions, Make More Money

This isn’t an app, but it’s a game-changer.

If you have an iPhone, you have Focus Mode. I use it to block out distractions and stay laser-focused on my work.

I have a “Work Focus” mode that only allows calls from my girl, my mom, and key people in my business. Everything else gets silenced.

If you’re constantly getting pinged by notifications, you’re not working, you’re reacting. And that’s a surefire way to stay broke.

BMM Takeaway

These 5 tools are how I manage my money, grow my wealth, and stay focused on what matters.

But they won’t magically make you rich.

Remember that you need to take consistent action.

Tracking your money in Monarch won’t help if you don’t cut unnecessary expenses.

Investing with Robinhood won’t grow your wealth if you don’t educate yourself on the market.

Using QuickBooks won’t save your business if you’re not hustling to increase revenue.

These tools are amplifiers…they make your efforts more effective. But they don’t replace the grind.