Tools we actually use

Everything mentioned in our videos and products, kept current in one place. We only list things we believe genuinely help beginners.

Disclosure: some links below are affiliate links. If you sign up or buy through them, First Dollar Club may earn a commission at no extra cost to you. That never changes what we recommend.

High-yield savings (for your emergency fund)

Our current HYSA pick

A separate, no-fee savings account that pays real interest on your starter emergency fund — the shield from Chapter 3 of the Debt-Free Plan.

See our current pick

Balance transfer cards (0% intro APR)

Our current balance-transfer picks

Move high-interest card debt to 0% for the promo window so every payment hits the balance. Read the fee math in Chapter 5 before you apply.

See our current picks

Beginner money books

The 5 books we recommend first

Our short list of beginner-friendly personal finance reads — the same ones linked in our video descriptions.

See the book list

Our own tools

The First Dollar Debt-Free System

Ebook + automated payoff tracker + 16 printable worksheets. Everything on this page plugs into it.

Get it on Etsy