Tools I Use

💵 Sofi Checking & Savings ($325 free): https://spencerjohnsoncards.com/sofi

📈 Ally High-Yield Savings ($100 free): https://spencerjohnsoncards.com/ally

🏦 Novo Business Checking ($40 free): https://spencerjohnsoncards.com/novo

💰 Rakuten Cashback Tool ($30-40 free): https://www.rakuten.com/r/SPENCE11500

🔢 Empower Personal Finance Manager ($20 free): https://spencerjohnsoncards.com/empower

💲 MaxRewards Card Manager (1-month discount w/ code SPENCER): https://maxrewards.app.link/spencer

🛍 Kudos Smart Wallet ($20 back after eligible purchase w/ code SPENCER): https://joinkudos.com/spencer

💸 Ekster Wallets (5% off w/ code SPENCERJOHNSON): https://partner.ekster.com/spencer

✈️ Airalo eSIM ($3 off w/ code SPENCER): https://try.airalo.com/SpencerJohnsonOfficial

✅ Melio (earn points w/ vendors who don't accept cards): https://go.melio.com/spencer

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