Recommendations

Track All Of Your Finances, Completely Free!

  • Completely FREE online software.
  • Link all of your finances in one place.
  • Effortlessly track your net worth.
  • Easily track your spending.
  • Thoroughly plan for retirement.
  • Click hereOpens in a new tab. to visit Empower!

Empower Personal Wealth, LLC (“EPW”) compensates On Cash Flow for new leads. On Cash Flow is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.

Invest and Grow Your Wealth Automatically!

  • Sign-up bonuses are offered frequently, check them out!
  • Invest in easy-to-make “Pies” (asset allocation).
  • Turn on automatic investing for automated wealth building.
  • Extremely low-cost broad array of index ETFs offered.
  • Brokerage, Traditional IRA, Roth IRA, and more.
  • Click HereOpens in a new tab. to visit M1 to learn more!

On Cash Flow has partnered with M1 to recommend financial products. On Cash Flow may receive a commission for redirecting traffic to M1.

Get Free Travel and Cash Back With Credit Cards!

  • Lucrative sign-up bonuses are offered frequently!
  • Earn easy passive income with cash back!
  • Get FREE travel with points and miles!
  • Get the best fraud protection with credit cards.
  • Automate your finances with automatic payments.
  • Click HereOpens in a new tab. to check out my recommended cards!
On Cash Flow has partnered with CardRatings for our coverage of credit card products. On Cash Flow and CardRatings may receive a commission from card issuers.

Create The Perfect Plan For Your Retirement!

  • Project your retirement success.
  • Run various retirement scenarios.
  • Get digital coaching on things to consider.
  • Input your assumptions about the future.
  • Estimate your net worth and cash flow.
  • Click hereOpens in a new tab. to visit Boldin to learn more!
On Cash Flow has partnered with Boldin to recommend retirement planning software. On Cash Flow may receive a commission for redirecting traffic to Boldin.

Savings Account With High APY!

  • One of the highest yield savings accounts available.
  • Perfect pairing with an M1 investment account.
  • No minimum balance requirement.
  • No monthly maintenance fees to worry about.
  • FDIC insurance is furnished by B2 Bank.
  • Click hereOpens in a new tab. to visit M1 to learn more!
On Cash Flow has partnered with M1 to recommend financial products. On Cash Flow may receive a commission for redirecting traffic to M1.

Cut Your Expenses With These Products!

  • My list to save on food.
  • My list to save on utilities.
  • My list to save on monthly bills.
  • My list to save on other expenses.
  • My recommended F.I.R.E reading list.
  • Click hereOpens in a new tab. to see my lists on Amazon!

On Cash Flow is a participant in the Amazon Services LLC Associates Program. As Amazon Associates, we earn from qualifying purchases.

Protect Your Financial Data Online!

  • Secure your sensitive data.
  • Avoid being tracked by third parties.
  • Hide your location when browsing the web.
  • Access country-specific content.
  • Avoid bandwidth throttling from your ISP.
  • Click hereOpens in a new tab. to learn more about NordVPN!
On Cash Flow has partnered with NordVPN to recommend their virtual private network (VPN). On Cash Flow may receive a commission for redirecting traffic to NordVPN.

Get Personalized Email Consulting From Me!

  • Get help with paying off debt.
  • Get help with budgeting.
  • Get help with reducing your expenses.
  • Get help with tax planning strategies.
  • Get help with financial independence planning.
  • Get help with increasing your income.
  • Click here for more information!

Zach has partnered with himself to recommend consulting services. Zach will receive 100% of the commission for consulting services because there is no “middleman” here!

My E-Book On The Roth IRA Ladder Strategy

  • How to retire using the Roth IRA ladder.
  • Roth IRA vs Traditional IRA.
  • Why you should use the Roth IRA ladder.
  • Why you maybe shouldn’t use the Roth IRA ladder.
  • Roth IRA 5-year waiting period.
  • Avoiding early withdrawal penalties.
  • Consolidating retirement accounts.
  • Click hereOpens in a new tab. to check out my e-book!

My Audio Guide On Getting Started With FI

  • How to get started with financial independence.
  • Explains the different types of FIRE.
  • How to set up a FIRE goal for yourself.
  • How to develop a system for your goal.
  • Developing the right mindset for your goal.
  • Includes action steps for you to take.
  • Includes the written script.
  • Click hereOpens in a new tab. to check out my audio guide!