I don’t know how but you’ve managed to package an unbiased analysis that is more entertaining than the sensationalized segment of economic and financial news. Thank you for your efforts to be the signal and not the noise. I understand that the economy is currently in a downturn and that we must wait for things to get better

@Derawhitney

5 ай бұрын

As hard as it may sound you can plan for the recession. If you are working, find extra work and get an Invest--advisor. Protect your deposits by having enough cash in short term fixed income. Then cut your expenses. Minimal insurance, cut utilities.

@ScottKindle-bk3hx

5 ай бұрын

I think the current market might give opportunities to maximize profit within a short term, but in order to execute such strategy , you must be a skilled practitioner

@PaulKatrina.

5 ай бұрын

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

@Stellaanderson-qx5nl

5 ай бұрын

Even if you have a humongous income you still need to draw up futuristic plans because anything can happen. One could lose one's job or whatever. Investment cannot be overemphasized. About your advisor, how does one reach pls

@PaulKatrina.

5 ай бұрын

My CFA ’Margaret Johnson Arndt’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

I think it's a shame that Mint is closing down. These alternatives are good, but in my opinion, they don't beat Mint because some of these that can be compared to Mint, have a subscription cost that needs to be taken into consideration. Mint being what it was while also being free, was really good.

@ainsleydacres

8 ай бұрын

I would pay for mint. Why not do that instead of closing it. A dollar or 2a month is fine

@beenokok529

8 ай бұрын

⁠@@ainsleydacres the company that brought mint want you to go into debt so they can make more money. Credit karma love to push you to get loan.

@beenokok529

8 ай бұрын

@@ainsleydacres Credit Karma will actively push a loan and say “hey, here a loan you pre-qualify for” They don’t want you to have a budget.

@ROCBOYZGURLZ

8 ай бұрын

@@ainsleydacresits crazy because Mint is owned by Inuit a publicly traded company. I'm going to assume that it must not be making them enough money to keep the software. Very sad 😞

@ainsleydacres

8 ай бұрын

@@ROCBOYZGURLZ yeah, that's probably the case because they're migrating everybody's information to credit karma which means some way or the other being in debts is more profitable I'm guessing

Hi DoughRoller! It’s so great to discover you on youtube! I watched you on your podcast and learn so much. I’m so happy you’re on Yt now!!! Thank you for all the great content! Hope you’re doing well!!!!

I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.

@Parzen753

8 ай бұрын

As with an my big financial decision, it’s important to keep your guard’s up for economic risks. However, smart planning, time management and seeking advise from a financial adviser can help keep you and your money safe

@TorresJuanJose

8 ай бұрын

yes i agree and right now the markets are going berserk right now. This is the best time to watch them, get to know them better, and strike when the opportunity presents itself. I learned that from my mentor, ‘’’Catherine Morrison Evans' 'she's seen dozens of market cycles over the past few decades, and she has a feel for how they move, why they move, and what comes next.

@AustinButler-kd4ny

8 ай бұрын

Catherine really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her

I am devastated. I've been with Mint for at least 15 years. I have my systems in place, my categories set up for just how I want them. Nooo. I can't believe i have to start over. I'm not excited about trying to make Empower work, even though I'm already in their ecosystem for retirement purposes - it seems so bare bones. And while it will track your expenses and break them down, it doesn't seem like you can set up a budget. Ughhhhhhhhhh. Also, how did I not hear about this until now? I definitely didn't get any notice from Mint!

@ourwalkstogether

8 ай бұрын

me too. so far from my looking for an alternative Monarch looks like it might be the best.. at least for transitioning as well. he didnt really go over a lot of details on it.. looks like it was created by one of the original founders of Mint so that would give me hope that it has most of the same features or will. I think they just came out of Beta not long ago. but they also have built good looking import systems to transfer everything over from mint, confirming or re-mapping your categories etc. They have a video on their site about moving things over and it looks like it might not be too painful. They are also giving 50% off the first year to lure people making the switch but even then I'm not yet sure if I wanna pay.. but anything good at this point is probably gonna charge

@alejmc

8 ай бұрын

@@ourwalkstogether Definitely looking at Monarch myself too. Mint connected great with US and Canadian bank accounts even if located in Canada... Apple Card works, US and Canadian investments, banks, credit cards, you name it worked! So I'm hoping it will too overtime with Monarch plus on their webpage they have a waitlist for launching in Canada.

@kevinirwin768

8 ай бұрын

I agree. I just saw it on the banner of the website this am.

@WilbertIsRandom

7 ай бұрын

I read about Moneydance. Have you tried that?

@suegoetz1221

7 ай бұрын

me too. 10 years of data in Mint lost. Crédit Karma tricks you into buying stuff. I regret transferring my data

Thank you for this. I really appreciate it

Just a reminder if you are not paying for the app, you are the product.

@Realist839

8 ай бұрын

sad truth is, even if you pay for the product u still end up as the product.

@rshearer2

8 ай бұрын

I paid for mint

@AdAstraCompany

7 ай бұрын

Respectfully disagree in applying that mantra here. I'd rather see ads than pay for a budget app. No need to mindlessly give money via subscriptions if you can afford the extra time to manually insert transactions.

@nicholas5396

7 ай бұрын

@@AdAstraCompany doesn't sound like you are disagreeing at all. I never said one is better than the other, only if they aren't charging you then you are the product being sold, in your scenario to advertisers (your Ad ID is associated with all of your online activity across apps and sites and browsers)

@theonyxknight

4 ай бұрын

@@AdAstraCompany I think the "you are the product" sentiment holds true with Empower, given the reported attempts to regularly sell you something based on your data. That said, I can withstand ads with the best of 'em :-)

This made me mad when I heard Mint was closing down. Why? Sell it to somebody else. I heard Credit Karma won't have a way to set budgets and categorize spending like Mint does. I won't be using Credit Karma if that's the case.

@howdidigethere41

4 ай бұрын

Yeah or start charging us for Mint. I probably would have paid.

when i heard mint was shutting down i panicked but it was nice to see a familiar face (Rob Berger) show up as one of the top results

I’m so sick of subscriptions.

@samfredo8140

29 күн бұрын

I use Gnucash. It’s free and my data is local, not in the cloud.

Nice, short no water description, thanks

Been using Quicken since 1989 in the old DOS format. Wow, 34 years and still happy with it.

@beenokok529

8 ай бұрын

Yup, 😊 in the year of our lord 2023. With paying with phone. If you want to be financially responsible you have to use an excel spreadsheet.

@majorgear1021

8 ай бұрын

New ish quicken user here , The desktop app is feature rich though a bit clunky. The mobile app needs a lot of work.

@DARTHDANSAN

8 ай бұрын

Ya but it’s not automatic and tied to your phone

@el6550

8 ай бұрын

I've been using Quicken for 30 years. I have tracked everything in it. Bank accounts, investments, debt, (back when I had debt) and even the value of my condo. My only complaint is that it no longer memorizes transactions automatically, you have to initiate it.

@dianeturner9503

8 ай бұрын

I still use Quicken 2012 on my laptop everyday. Love it! It's the last update that was sold on an installation CD, so I can use it on any device.

Crying shame been with mint since 2010 I am going to miss the trends section and net income section I have not cried so hard since Microsoft money closed I was down and out when I stumbled across mint we fell in love now I am a lost soul out in the desert kicking rocks so much data gone why why?😢

@anniemilakovic7683

8 ай бұрын

Make sure you download all your data from mint. You may not be able to upload it to whatever new tool you choose, but at least you can view it in excel

@halodisciple8459

8 ай бұрын

@@anniemilakovic7683 I use Mint, but I won't worry about downloading all my data. I'm just going to start fresh with another services.

@Lynndra80

8 ай бұрын

I loved Microsoft money. My bank stopped communicating with them and I moved to mint.

@halodisciple8459

8 ай бұрын

@@Lynndra80 yeah. How is anybody using MS money? It doesn't download transactions anymore i thought

@stevehowe209

8 ай бұрын

I went down the same road with MS Money and now Mint. I knew this day would come. I love Mint for everything it does outside of the budget part. Not sure what option I am going to move to now.

I need a simple budget system. Mint was it...the budget tab with color coded green, yellow, red with custom monthly, quarterly, or whatever time period goals was super good plus "roll over" option for things that aren't monthly but more one month less the next month, etc...does any system out there have that budget with category simplicity that Mint has?????? Help!!

@RICHGIRLASMR

8 ай бұрын

The copilot budgeting app does

Thanks for the update we use mint and didn’t know this.

@DoughRoller

8 ай бұрын

No problem 👍

@raymiller764

8 ай бұрын

I still have seen nothing on Mint alluding to this

@jillian4292

8 ай бұрын

I just found out from a blog. If you go in the app toward the bottom where it talks about their Blog and updates...that is where they say that Jan 1 they are closing.

@MHMichaelHooper

8 ай бұрын

They sent out an email to their premium subscription paying users. They have sent 0 notices to their free users.@@raymiller764

@Megsother28

8 ай бұрын

For those of us who aren’t super tech savvy, how do we know which are the safest apps to allow access to our accounts? I know Mint is considered as safe as they come, but what’s the industry “gold standard” for security?

Great video thank you.

Thank you! This was helpful! We have a year (to the end of 2024) to move our Mint info. I'm considering YNAB & maybe Pocketguard - I'd love to get your feedback on these in comparison to the 5 you presented.

@luciecaronosteopathelaval829

4 ай бұрын

hello, i think you have only until the end of march 2024 .

Can Treasuries be tracked through Treasury Direct linking in any of these apps?

For those of us who used Mint for many years, do any of the replacement products you mentioned (or others) have a way to import our historic Mint data? I've used Mint since 2010. I'd like to find a replacement product that allows me to import all that data, so I can see reporting/tracking of my finances all the way back to 2010. Thank you!

What about Fidelity Full View?

What do you think of Bantivity? Which one of the 5 softwares that you suggested has reporting capabilities?

So sad mint is closing down 😢

Let me mention that on the Monarch webpage they say they are launching in Canada soon, there's a waitlist going on there. That's useful because it means that they would probably commit to making most, if not all, bank and investments account compatible (which was working good enough with Mint, what a shame)

@everbella

8 ай бұрын

I was wondering why I couldn't find some of the mentioned apps, it's Canada and it's not available. :(

I like your keyboard - care to share where to get it ? thanks.

Couple of additional thoughts: 1. Empower does not allow you to create detailed budgets. Its takes your spending and just groups all that 2. Simplifi does not allow for "rollover" budgeting. This is where the amount under or over budget from prior periods is accounted for in future periods. This is necessary for budgeting where things are not fixed (i.e. entertainment; electric bill) 3. Detailed budgeting is not moving to Credit Karma. Non-starter

@ybarsabal

8 ай бұрын

DANG. Have you found something with detailed rollover budgeting?

@skibum914

8 ай бұрын

I have been searching and trying out many the past week...nothing has the simple user friendly design with color coded green, yellow, red bars with total month, year to date and easy adjusting of goals plus like you said, the rollover ability. I can't find anything that comes close to what Mint did. I just want auto downloads of savings, checking, credit cards and customizable categories with variable time periods so I can track how I am doing at any particular time. Geez...it is so hard to make something that does that without all the confusing unnecessary crap. Still looking...

@ecsimmy

8 ай бұрын

I use EveryDollar

@DougC63

8 ай бұрын

@@skibum914 I’ve been underwhelmed by Monarch. It will do what you had in Mint (green, yellow, red) just in a bit different manner. But Monarch overall lacks the reporting I want. Like I cannot find a simple spending chart month over month. For $100/yr I would want more from reporting. Next week I am, going to evaluate Quicken, the full version

@DougC63

8 ай бұрын

@@ybarsabal Monarch Money will do rollover budgeting. But I’ve been underwhelmed with it’s over reporting

How do you sign up for empower ???

Do any of these automatically populate credit card due dates and statement balances on a calendar. That's honestly half of what I use Mint for.

@ruchipatel21

8 ай бұрын

Same! I haven’t seen this in any other app besides Mint 😢

@amandaconway1972

8 ай бұрын

I looked into several of these, Monarch is the closest to Mint for the calendar view if you can stomach $100/year

@moniques5545

7 ай бұрын

YNAB (You Need a Budget) deals with credit cards better than any app I’ve seen. Whenever you spend money from one of your categories where you have money available, it takes the money out of the category and moves it to a credit card payment category. So at any given time I can just look at my credit card category and see what I should be paying on my credit card (which I do every couple of weeks or so). YNAB doesn’t automatically track cc due dates, but you could set up a recurring transaction for your due dates. It takes a little getting used to, but I find credit cards so easy now, never a source of worry.

@coreyjudd9394

7 ай бұрын

The monarch calendar looks promising.

@RVT0001

7 ай бұрын

Quicken desktop has a calendar feature. Quicken desktop syncs with a cloud file that then allows you to use the Quicken mobile app or a Quicken web app. (But the mobile app does not show the calendar, you have to look at the desktop version to see your finances on a calendar.) (I don't the features of the web app.)

Have you tried clear checkbook?

THANK YOU!!!!!!

Have used mint for 10 years… my favorite thing is being able to add tags. Do any of these allow you to customize your transaction with tags?

@NettieFIRE

7 ай бұрын

YNAB does! Tags which can be names by you and it also supports hashtags (for searchability)

@sandysnow6581

7 ай бұрын

Quicken does

@smatthews62

6 ай бұрын

Tiller does.

@David-rz4vc

3 ай бұрын

quicken simplifi does

Im looking to do away with my computer and just using my iPad or iPhone. I am looking for an app to download that will allow me to print reports especially for year end taxes. Any ideas so I can get rid of my computer.

Do these apps allow one to link to European banks?

Full View from Fidelity is just fine for my needs

Is there a budgeting app that has settings to ping your phone when a transaction hits whichever account was used, asking you to confirm the budget category it should go in?

@David-rz4vc

3 ай бұрын

quicken simplifi does. you can get a push noti

I'm looking for a service that will track all my transactions and give a yearly report that I can publish.

Funny how phone directions do not show more than a few blocks well and the budget apps mostly do not have calendars.

If I would prefer NOT to connect my bank accounts, is there any app that allows me to download my own transaction data and paste in? Thanks for your video!!

@billamanda

4 ай бұрын

YNAB will let you import your data. Its subscription as well though.

@pennyj7694

4 ай бұрын

Thank you!

Would fidelity fullview be an option ?

@kets42

8 ай бұрын

I was checking this out and it looks like a good free option

@TheRocketpony22

8 ай бұрын

I was trying out full view last night but was disappointed that it can't connect to a lot of investing apps, like robinhood and webull, and for some reason didn't work correctly with interactive brokers which has been around a really long time. Mint was one of the only ones back in 2013 that could connect to them properly which is why was using it. Otherwise it seemed okay for just looking at aggregate cc and bank transactions, I liked that it would create rules for transaction I categorized so that it would get it right next time, but there wasn't a way to define a custom transaction category unfortunately.

@Akira282

7 ай бұрын

yes, that was where I ended up at. It's the best of the free options (assuming you have an account with them it's a no brainer)

Is there any app that would allow receipt scanning as well?

@JeffParker-gu5dz

4 ай бұрын

Monarch does

Lots of other options. Neontra and Monarch are both great.

@FrankRotundo

7 ай бұрын

Tried Monarch, Neontra, Copilot and YNAB so far. For me Neontra is hands down the best one.

As far as I can tell, empower only allows you to set a monthly overall spending budget. I can't find any way to set budgets for different spending categories which is how I used mint.

@mrsleannejh

5 ай бұрын

Hoping to hear the answer to this

@DARTHJOE94_

5 ай бұрын

I don't believe there's a way to set budgets like mint. Monarch is the best app I've found so far but unfortunately it's pain ($50/year)

I made this switch and you can't create a budget like in Mint, but you can monitor your spending.

sounds like you're saying Mint is entirely web based. That sucks. That the reason I never upgraded out of Quicken 2013. Why should I rent when I can own?

Will any of these import your Mint data?

@Beachbum319

8 ай бұрын

Monarch let me import a CSV. I have not seen how it looks yet.

My credit cards migrated but not the bank accounts.

Say it isn't so? Mint.com was the first one I ever used.

@DoughRoller

9 ай бұрын

Me, too. The sad thing is they haven't done much with it for a long time.

Did you say quicken was 239 a month? I think you mean year.

Still using MS Money since 1998.

@rdawson64

8 ай бұрын

Ditto

@DavidDerewitz

8 ай бұрын

how?@@rdawson64

@cwiegand

8 ай бұрын

I loved Microsoft money, and wish they had never gotten rid of it

Looks like Simplifi is a Quicken company.

Any Canadian suggestions? YNAB?

@moniques5545

7 ай бұрын

I’m in Canada and LOVE YNAB. See my separate general comment on YNAB.

Empower it is!

@jasoncr8419

8 ай бұрын

Get ready for spam calls from empower wanting to actively manage your investments for a hefty fee.

You should have covered YNAB. Best out there.

What are your thoughts on YNAB?

tiller have app? i do tons on my phone

@sangfroid247

8 ай бұрын

Nope. This was a non starter for me. I want to be able to refresh from my phone anywhere in the world. And Tiller won't do that w/o a full browser.

@MrHardrock

8 ай бұрын

Yes I agree. We RV most of the time and I don't break out my laptop unless I really need it once a week to see a bigger picture. My morning routine is to check to see if any fraudulent charges have shown up on my account and I deal with them or any overspending I need to watch on. What did you end up using? Did you try simplify?

@sangfroid247

8 ай бұрын

@@MrHardrockI have tried Simplifi and it appears like it'll work well enough, I have one bank w/ a credit union, so refreshes are typically an issue w/ their MFA, which I need to test over more time. Monarch is the other solution that I've tested that appears to have the best features/interface/reporting. Simplify is simple and also has the core functionality desired, but weak reporting and UI imo. The budgeting is clunky but manageable, it's change and inferior to Monarch imo. But definitely cheaper.

NerdWallet?

What about Rocket Money??

no open source options on your list, disappointing

What's your take on Rocket Money?

@rshearer2

8 ай бұрын

I use empower, monarch, rocket money, SoFi and mint. I like empower since I went with them as financial advisor so I keep using it. I started with monarch after seeing notice about mint. I really like monarch. I find it first more than rocket money. I won't be renewing rocket money. So right now I got rid of mint. Will get rid of rocket money.. leaving me with three. SoFi because I left Bank of America.. it has issues with some accounts being linked but that is now resolved. And it's my credit card, my bank, my hysa, Roth account, brokerage account and aggregator.. but no real budgeting. Empower has budgeting but it never got my attention. Monarch has aggregation, budget.. more insights to what is going on.. So looks like I am stuck with three apps still

I hope one of these tools figures out how to intake old mint data. If I can transfer over my history somewhere, I'm sold. That's what I'm most bummed about

@mariac.5021

8 ай бұрын

Same.

@SamsonWedding

8 ай бұрын

Monarch does

@champybh

8 ай бұрын

@@SamsonWedding yeah found that feature on monarch a couple days ago. There was some pain recategorizing transactions but I'm mostly set up and I think I like it! The cash flow section seems more helpful then anything I was using on mint.

@randysysol2252

8 ай бұрын

@@SamsonWeddingit states it does but if you have years of Mint data it’s a nightmare to import. I ran through my 7 day trial just trying to get data imported. And yes, I did thousands of data imports as part of my IT career.

Bring back Microsoft Money. LOL😂

@majorgear1021

8 ай бұрын

Please let this happen!!

@genericreference6969

8 ай бұрын

Who says it ever went away? :)

@schGjS

8 ай бұрын

I found out that MS offered something like Tiller as an add on to Excel, but closed it after little interest. Of course I didn't find out about it until just about the time they shut it down. Still using Money Sunset for day to day regular account transactions. I hope it keeps working.

@deanreynolds1427

7 ай бұрын

I used MS Money for many years. Would still be using except my current PC does not have a CD reader, so cannot install. I switched to Mint. Now I have to switch again.

@majorgear1021

7 ай бұрын

@@deanreynolds1427 USB cdrom drives are very cheap. I’d get one and go back to MS Money.

What about everydollar by Ramsey?

they should close down credit karma and keep mint. Credit Karma is useless

Why?! Empower!

I just wanna see all my assets in one place. I already use YNAB to budget

@jessicaqu

7 ай бұрын

Likewise. Let met know if you find a Mint replacement for tracking assets!

@joycebean9009

6 ай бұрын

I’m trying YNAB but find it confusing and labor intensive.

@anniemilakovic7683

6 ай бұрын

I use YNAB to budget and empower for total assets/liabilities. I like their retirement planner and the little emergency fund recommendation tool.

tossing in a coin for YNAB works good for me

@majorgear1021

8 ай бұрын

Too expensive and limited features

@haixu1807

8 ай бұрын

YNAB is a paid service now.@@majorgear1021

@c-tech_

8 ай бұрын

Glad I went with YNAB over Mint. LOVE YNAB

@anniemilakovic7683

8 ай бұрын

@@majorgear1021there are far more budget features in YNAB than in mint, so for folks looking to replace the budgeting functionality of mint YNAB is a great choice. It is not a total financial tracker. IMO, none of the total financial trackers have sufficient budgeting capabilities, except mint.

@dozergetscrafty

8 ай бұрын

​@@majorgear1021what are the limitations?

ROM Spaceknight!

PocketGuard?

No mention of YNAB?

Monarch uses Plaid which continues to refuse to support Fidelity.

@NiteVibeScribe

6 ай бұрын

Good to know!

Soooooo disappointed. Thank you for making this video!

How about Dave Ramsey's Every Dollar. There's a free and a paid version.

@deanreynolds1427

7 ай бұрын

I have never used Every Dollar but would interested to see how it compares to the others

@Kurlyk7041

7 ай бұрын

I use it and like it for budgeting but it doesn’t show all assets in one place with the free version.

I use Every Dollar

Mint had by far the best mobile widgets. That’s unfortunate

My budgeting app is excel

Things haven’t been the same since Mint got bought out by credit karma. 🤦🏽‍♂️

Monarch isn’t compatible with Apple Card

@srconrad

9 ай бұрын

Nothing is as far as I can tell. I think that’s an issue specific to Apple Card.

@martinomovies

9 ай бұрын

@@srconrad Mint works with Apple Card

@DoughRoller

8 ай бұрын

That's my experience, too. Apple's privacy policies prevent you from connecting the card to account aggregators.

@majorgear1021

8 ай бұрын

Apple doesn’t allow any aggregators to connect. None.

@user-dk1cy5wf1q

8 ай бұрын

Apple sucks.

I'm still so angryyyyyyyy ughhh

Money Copilot

YNAB beats Monarch.

Credit karma suck! I have to deactivate, so sad.

I was an unexperienced stock trader and i lost over $30K when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I find one source to recover my money, at least $5k profits weekly. Thanks so much Mrs Belinda Owens

@kennguyen4540

7 ай бұрын

She's mostly on Telegrams app with the name below.

@kennguyen4540

7 ай бұрын

investwithowens💯,, that's it

@swesleyc7

7 ай бұрын

For those wondering... the original post and all its replies are bots. This thread is spam.

@dpayne1943

6 ай бұрын

SCAMMERS!!! Please look for a fee based financial advisor. Do not look to or trust KZread comments when it comes to financial advice or advisors.

Please stop with the big head effect. It makes your video unwatchable.

That $1.2mil flex tho 🦾😅✌️

PocketSmith

nantucket tee

I don’t know how but you’ve managed to package an unbiased analysis that is more entertaining than the sensationalized segment of economic and financial news. Thank you for your efforts to be the signal and not the noise. I understand that the economy is currently in a downturn and that we must wait for things to get better

no open source options on your list, disappointing