The ShiftRich Blog
Real estate, house hacking, personal finance, and tools to help you build wealth on a W-2 salary.
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Budgeting4 min read
Monarch Money Review: The Best Budgeting App for 2025?
Monarch Money costs $14.99/month and syncs 11,000+ institutions. Here is whether the pricing is justified, how it compares to YNAB, and who should actually pay for it.
May 17, 2026Read more →
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Investing5 min read
M1 Finance Review: Automated Investing for Beginners
M1 Finance is free, automates portfolio rebalancing, and holds $8B+ in AUM. Here is who it is actually built for — and who should use something else.
May 17, 2026Read more →
Budgeting2 min read
I Tracked Every Dollar for 90 Days — Here's What Changed
A radically honest experiment in personal finance — and the four shifts that quietly added $1,100/month back to my budget.
May 17, 2026Read more →