Recommended Tools: Bobby’s Vetted Picks
- Bobby Cowart's recommended financial tools: the apps, brokers, and tools he actually uses to manage and grow his own money
Tools Bobby Actually Uses
Every tool on this page is something I’ve personally used, vetted, or built. No filler. No tools added just because they pay well.
Our Tools, Made for the Wealth Puzzle
These are spreadsheets and workbooks we built specifically to help you apply the Wealth Puzzle to your own numbers. One-time purchase. Instant download. No subscription.
✅ Hunter of Money Wealth Tools
Three tools built around the 20-piece Wealth Puzzle. Enter your numbers and stop guessing.
📈 Investing Apps
For building your ETF portfolio, opening a Roth IRA, and researching what you buy. See our full Best Investing Apps review →
Best for Beginners
$0 commissions, no minimums, ZERO expense ratio index funds (FZROX). The safest first brokerage for anyone building long-term wealth.
Affiliate Partner
The best research and charting platform available. Used by 60M+ investors. Connect to any brokerage and see real data before you buy. New users get a $15 coupon.
Best Free App
Advanced tools, paper trading, extended hours, all free. Best choice for beginners who want to learn before risking real money.
Best Automation
Build a custom ETF portfolio and let it auto-invest and rebalance. Set your VTI/SCHD allocation, automate deposits, and let compounding do the rest.
💳 Hunter of Money Tool
Ready to see your real debt-free date?
Use the Debt Payoff Calculator to enter your debts, compare avalanche vs snowball, and build a monthly payoff plan you can actually follow. Takes about 10 minutes.
Excel & Google Sheets compatible • One-time download • No subscription
🏠 Real Estate Tools
Tools for landlords, rental property investors, and anyone analyzing deals. Bobby uses these on his own rentals.
Affiliate Partner
The #1 property management platform for landlords. Track rent, maintenance requests, leases, and financials in one place. Used by 150,000+ landlords.
By Bobby Cowart
Real Estate Investing for Beginners, the insider secrets to finding deals, saving money, and minimizing risk. Written from real landlord experience, not theory.
Real Estate Crowdfunding
Invest in real estate without being a landlord. Fundrise pools money across commercial and residential properties. Start with $10. Good for passive exposure to real estate.
🪙 Gold & Precious Metals
For portfolio insurance and inflation hedging. See how much gold belongs in a portfolio →
Affiliate Partner
One of the most trusted U.S. gold and silver dealers. Competitive pricing, fast shipping, strong buyback program, and no pressure sales tactics. Bobby’s recommended dealer for physical metals.
₿ Crypto Safety
Not your keys, not your coins. If you hold crypto, a hardware wallet is non-negotiable. See our complete crypto safety guide →
Affiliate Partner
The only real protection for your crypto is a wallet you control. Ledger is the most trusted hardware wallet brand, used by 6M+ people. Supports 5,500+ coins.
💳 Budget & Credit Tools
Apps and accounts for tracking spending, eliminating debt, and optimizing your savings rate.
Earn More on Cash
Your emergency fund should not sit in a 0.01% APY account. High-yield savings accounts currently pay 4–5% APY on the same FDIC-insured cash.
Earn on Every Purchase
The right cash back card turns everyday spending into free money. Only use if you pay the balance in full every month, otherwise the interest wipes out every benefit.
Track Every Dollar
A budget that lives in your head doesn’t work. The best budgeting apps connect to your accounts and show you exactly where your money goes in real time.
📚 Books Worth Reading
The books that shaped how Bobby thinks about money, investing, and building wealth.
By Bobby Cowart
Written by Bobby from real landlord experience. Covers finding deals, analyzing properties, minimizing risk, and building a rental portfolio from scratch.
Morgan Housel
The best book on how people actually think about money, and why behavior matters more than knowledge. Required reading before making any major financial decision.
JL Collins
The clearest explanation of index fund investing ever written. If you want to understand why VTI and time beat almost everything else, this is the book.
🤖 AI Income Tools, Bobby’s Digital Products
Bobby’s Product · $37 One-Time
AI Income Starter Kit
Assess your AI job exposure, choose your income playbook, price your offer, find your first clients, and execute a 90-day action plan. Five modules plus bonus AI tools stack.
Bobby’s Product · $17 One-Time
Debt Payoff Calculator Tool
Calculate your exact debt-free date, compare payoff strategies (snowball vs. avalanche), and build a month-by-month payoff plan you can actually follow.
Bobby’s Product · $37 One-Time
Real Estate Deal Analyzer
Run the numbers on any rental property before you buy. Cash-on-cash return, cap rate, cash flow, and 10-year projection, in a spreadsheet built for real investors.
Ready to Build Real Wealth?
The tools above support the 20-piece Wealth Puzzle, the free system that takes you from your first emergency fund to generational wealth.
You finished: Recommended Tools: Bobby’s Vetted Picks
- Bobby Cowart's recommended financial tools: the apps, brokers, and tools he actually uses to manage and grow his own money.