I used to be big fans of Credit Karma and TrueBill but both have sold out to companies I really dislike (essentially the Intuit family of companies). I really dislike Intuit lobbying the US government to keep taxes complicated as well as their mediocre software.
I tried Monarch but it didn’t really help me at all; it felt very incomplete. As for credit monitoring I know just about every bank offers gimmicky services but I’d like to avoid those if possible (don’t even get me started on personal banking).
I wish I could remember what I read up on them. I have a habit of learning tons of information about a company, labeling it “bad/good” then forgetting why.
Generally speaking I ditch companies as soon as they’re bought out because the quality goes downhill shortly after. It’s always the same thing: Simple sold out to BBVA and was discontinued, ONE Finance sold out to Walmart and now it’s clunky/gimmicky as ever, TrueBill sold out to Rocket and it went downhill.
Honestly there is so much with banking I want to automate and I’m dying to develop a fintech app simply to act as a money manager but I’m just some guy without banking certifications or millions to throw at life’s problems.