Ever been dirt poor, living paycheck to paycheck...or worse? 

I’ve been there, avoiding my bank account because it was too demoralizing. 

Everything changed when I started tracking my finances daily. 

I kept a journal, recording every transaction and income, and my finances began to grow.

Today, I’ll share two tools that helped me: Monarch Money for daily transactions and Kubera for investments and liquidity. 

These apps transformed my financial management and can do the same for you.

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