After being on our financial independence journey for close to 10 years, I have come across some excellent personal finance & investment products, tools, books, and services. Products mentioned below are things that we personally use regularly and some I have come to love.

Disclaimer: Some of these are affiliate links. I may get a small commission if you sign up through these links. If you do, I thank you in advance as they help keep this blog running.

Awesome Personal Finance, Financial Independence, and Mindfulness Books

Savings Accounts

  • Tangerine Banking: One of the best Canadian online banks. Open a Tangerine account with my Orange Key 17330615S1 and get a $50 bonus!
  • Coast Capital: We use Coast Capital as our every day banking. We really like it because of the no fee banking Coast Capital offers.

Investing/Investment Tracking

  • Questrade DIY Investing: I have been using Questrade for many years and I think it’s one of the best discount brokers in Canada. The trade commission of $4.95 per trade is the lowest in Canada. Or enter referral code 826124747428063 when sign up. (Wealthsimple Trade has zero commissions but does not offer as many account options). Questrade also offers commission-free ETF trades, which is great when you are building a portfolio with low-cost ETFs. Use my referral link to unlock cash bonus, up to $250, depending on the amount you deposit.
  • Wealthsimple Trade: Wealthsimple Trade is a great option if you’re looking into ways to do free commission trades. Get $25 reward by using the referral link and $250 & $1000 if you become Premium or Generation client within 30 days. For more detailed analysis, check out my Questrade vs. Wealthsimple Trade review.
  • Dividend Tracking Google Spreadsheet: This is a spreadsheet I created using Google Spreadsheet to allow you to easily track your dividend portfolio and other important dividend info like price, yield, dividend amount, etc.
  • ETF Tracking Google Spreadsheet: This is another spreadsheet I created that helps you to track and re-balance your ETF portfolio.
  • Passiv: Passiv is a really cool tool for automate and simplify your portfolio re-balancing. What I like about Passiv is it can maintain your portfolio’s target allocation automatically. Passiv also can save you time by calculating & executing the trades needed to keep your portfolio balance. Best thing about Passiv is that if you’re a Questrade client, you get their Elite member access ($99/year) for free!

Credit Cards/Travel Hacking/Saving Money

  • Borrowell Credit Check: If you want to get into travel hacking like we did and save over $10,000 for a trip to Maui, you need to check your credit score regularly to make sure you’re in good standing before applying for more credit cards. Contrary to popular belief, checking your credit score doesn’t lower your credit score. It’s also a good idea to track your credit score regularly to ensure no identity theft. Borrowell is a great place where you can check your credit score for free.
  • American Express Marriott Bonvoy Personal Card: Thanks to American Express Marriott Bonvoy Personal Card, we have been able to go on multiple trips and staying at fancy hotels for free. You can earn 51,000 Bonvoy points by spending $3,000 the first three months. That’s enough points for 5 nights at a Marriott Category 2 hotel.
  • Rogers World Elite Master Card – Get 2% cash back if you’re a Rogers/Shaw/Fido customer and 3% if you redeem for Rogers/Shaw/Fido purchases.
  • Baby Freebies and Free Baby Samples in Canada: Having a baby can be expensive. Luckily many companies offer free baby samples to Canadians. All you need to do is to fill out some forms.
  • Wise: a great & cheap way to manage money across borders with one simple account. Save fees on currency conversion.

Cell phones

  • Public Mobile – Since my work pays for my cell phone, we needed to find a good cell provider for Mrs. T. Years ago, Mrs. T used Freedom Mobile (now Shaw) but found the coverage to be quite spotty. She switched over to Rogers on a discounted talk & text plan for $29 per month. After going through her cell usage history, I determined that Public Mobile’s $15 plan was good enough for her. Since Public Mobile uses Telus’ network, we don’t need to worry about coverage issues (Use referral code KYJLNL during sign up) .
  • Airalo eSIM – Airalo eSIM works very well when you’re travelling and don’t want to pay for the crazy roaming fees.

Estate Planning

  • PolicyMe: Having the proper life insurance to cover you and your family is very important. If the unthinkable were to happen, you want to make sure your surviving family members are taking care of. This is why Mrs. T and I both have a 25-year term life insurance.


  • Safety Wing: Offers travel medical insurance for nomads at a very affordable price. What’s cool is that the nomad insurance by Safety Wing covers you for brief visits back home for up to 30 days after 90 days abroad. It also covers 2 children under 10 per family. Check it out if you’re considering geo-arbitrage.

If you have found other useful products or services, please let me know.