About Harlan

Just a dude living in Dallas.

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Need a Checking Account With NO Fees, Minimums, or ATM Charges EVER? Try These.

It’s been over 4 years since I first professed my love for the Fidelity Cash Management account – one of the best no fee checking accounts. And about the same amount of time since I wrote about the Aspiration Summit account.

But that was before SoFi Money came on the scene. That account has no fees – but also free unlimited ATM withdrawals worldwide AND 1.6% APY on any balance you carry. It’s now the one I recommend most if you’re looking to dump your brick-and-mortar bank (and you probably should).

best no fee checking accounts

There’s a new sheriff in town, and it’s SoFI Money

All are fantastic checking account options because there are no fees, no minimum balances, and no direct deposit requirements. Essentially they’re free to open and keep forever, even if you never use them. Even better, these accounts reimburse ATM fees from ANY ATM in the world. And there are no hard credit pulls to open.

There are a couple of key differences. But, bottom line, you should have at least one of these accounts!

Best no fee checking accounts

1. SoFi Money

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Todoist Review: How I’m Using It to Organize My Life and (Travel) Goals

todoist review

It’s about time I update my Todoist review. I’ve been using Todoist to organize my days since 2015 – almost five years by now! It’s an app and website I use every day and I can’t imagine life without it.

That’s because it’s a perfect place to brain dump. If I have more than a few things I want to get done, I find they form a circular loop in my mind until I put them into list format. And seeing them sequenced calms me and puts me back in control of my thoughts.

Over the years, I’ve used Todoist to keep track of:

  • Books I want to read
  • Movies and TV shows to watch
  • Yearly and life goals
  • Recurring tasks around the house and in life
  • Things to do when I travel
  • Self affirmations
  • Things to buy when I’m running low on something
  • And of course, daily tasks
todoist review

To say I love Todoist would be a huge understatement

Not only is it a great place to store to-do lists, but it’s become a huge part of getting ahead in so many ways. I truly spend my life in this app.

My Todoist review

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My Audacious Plan to Increase My Net Worth to $500,000 in 5 Years – November 2019 Freedom Update

I’ve been wanting to talk about personal money stuff for the longest time. After all, my tagline has always been “Investing. Positivity. Oh, and travel.

Fear held me back because I didn’t want to sound like I didn’t know what I was talking about. I was afraid of impostor syndrome. And revealing financial details can introduce shame because you’re officially throwing out your yard stick for everyone to see.

But you know what? I started this blog over six years ago before I knew what I was doing with miles and points and learned as I went along. I got a lot of stuff wrong, things changed, and I grew. I was scared then too. But also:

  • YOLO
  • Eff it
  • Jump in both feet first
  • Learn as you go
  • Start somewhere
  • Do it ugly
  • Nothing is ever lost by creating

The biggest point of contention was that – I’m 35 now – a strapping young buck to be sure, but when I see other financial bloggers retiring at 30 and I still have student loans and credit card debt I’m like… feeling so behind.

This is me 10 years ago in LA. I wish I’d done more to help him (he wasn’t thinking about FIRE) – but I can start helping future me right now

But by what measurement? I can’t – and shouldn’t – compare someone else’s end point to my in-process. Although I wonder… what the hell have I been doing for the last 15 years? 😵

In the spirit of starting somewhere and being where you are, I want to keep myself accounted for and confess my dirtiest financial deeds.

November 2019 Freedom update

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SoFi Money Review: Free ATMs, 1.6% APY, No Fees, & $50 Bonus – I’m Impressed

sofi money review

I took the bait – so there’s my Sofi Money review. Everyone’s abuzz about SoFi’s cash management account, SoFi Money, because you get:

  • Unlimited, instant ATM reimbursements worldwide allowing you to use any ATM that accepts Visa – an amazing perk for travelers
  • 1.6% APY on your balance – comparable to many high-interest savings accounts
  • No fees, no minimums 
  • Sub-accounts to save for your goals, and joint accounts for your S.O.
  • Blazing fast sign-up – I had an account open in 2 to 3 minutes
  • $50 bonus when you open an account with $100+ – and it posts within a day or two

Plus, when you refer someone who uses your sign-up link, you get $100 – and can earn up to $10,000 per year (!!!). Get on the gravy train (and thank you for using my link to join)!

Because of these features, I’m considering making SoFi Money my everyday checking account, even though it’s online-only. For over a decade, I’ve banked with Chase and can’t remember the last time I visited a branch.

My Chase account and SoFi Money are both free to have (I have an old Chase account that’s no longer offered), so I’ll switch everything over to SoFi Money for a while and see how it goes. Nothing to lose and free ATMs + 1.6% APY + an easy-to-use site and app to gain.

sofi money review

SoFi is offering a $50 bonus for opening an account with $100+, and $100 on referrals – get the cash while you can!

While Fidelity, Schwab, and Aspiration all have no-fee accounts with free ATM withdrawals (I compared them here), none of them have an APY on the balance you carry or immediate ATM reimbursements (Fidelity refunds you within a few days, the others can take up to a month).

And while I’m wont to offer yet another bank account option, scoring $50 for a couple of minutes of work is nothing to turn down.

You can sign-up for a SoFi Money account here.

SoFi Money review – the ultimate bank account, especially for travelers

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Is Citi Double Cash Now the Best Card for Plastiq Payments? (Mortgage/Rent, Auto, HOA)

citi double cash plastiq

Plastiq is an online service that allows you to pay nearly any bill using a credit card. And now for the “gotchas:”

  • There’s a 2.5% fee to send a bill payment
  • You can’t make loan payments (rent, car note, etc.) with a Visa or Amex card, but residential rent and HOA fees are OK
  • You CAN make loan payments with a Mastercard or Discover card
  • Capital One cards currently don’t work in their system right now
  • Most cards only earn 1 point or mile per $1 spent, which doesn’t make the fee worth it

That said, there are a lots of situations you’d want to use Plastiq despite the fee:

  • To complete minimum spending requirements in literally seconds and earn a sign-up bonus
  • When they run a promotion for free or discounted payments
  • When paying the fee gives you wiggle room for unexpected expenses
  • To reach a big spend bonus for a free hotel night/airline elite status credit, depending which card you have
  • If your card issuer is running a promotion for bonus miles/points/cash

And there are two cards with a 2X earning rate that work with Plastiq. The first is the Amex Blue Business Plus, which earns 2X Amex Membership Rewards points on all purchases, up to $50,000 spent per calendar year. That’s cool, but many peeps don’t qualify for small business cards, or don’t want to pay personal bills with a business card.

I value bank points at 2 cents each, so earning 2X points per $1 spent is a 4% return.

If you maximize your per-point value, it can easily offset Plastiq’s fee. Like when you get an international long-haul flight in a premium class. For that reason, I’ve been using my Amex Blue Business Plus on Plastiq a lot – but as noted above, I can’t pay my mortgage or car payment.

Enter the second option…

Citi Double Cash Plastiq payments

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Aspiration Checking Account: No Fees, Free ATMs Worldwide, & Caring for the Planet

aspiration checking account

I’ve had my Aspiration checking account since I first wrote about it waaaay back in 2015. When it launched, there was no app and funky web access. But they were committed to sustainable business practices, which I really liked. Since then, they’ve created an app and a beautiful website. And widely expanded their care for our wonderful planet.

Then and now, this is among the best checking accounts if you travel – and care about – the Earth. ✈️🌎

You can open an account with only $10. And there are no fees at all to have or use it – including for up to 5 ATM withdrawals per month anywhere in the world. If you pay any fees to withdraw your money, you’ll be reimbursed at the end of each cycle.

They also offer cell phone insurance up to $600 when you pay your phone bill with the debit card, up to 1% APY when you direct deposit $1,000+ per month into Aspiration savings, and you’re FDIC-insured on balances up to $2M. Plus, none of their profits are spent on oil drilling, pipelines, or fossil fuel projects. Instead, they donate 10% of all earnings to charities.

Aspiration Checking Account

“Do well. Do good.” is Aspiration’s tagline. If you want a fee-free checking account (including 5 ATM fees reimbursed per month) with a conscience, this is for you

If you’ve been looking for an account to use when you travel abroad, this one is perfect. Plus, you get $25 free in your account when you sign-up for an account.

Aspiration checking account basics

Find & Save Every Bank Account Bonus With This New Site

bank account bonus

Wanted to share a new site my friend Phil made. We met at FinCon last year in Orlando, and kept in touch since. He told me about an idea for a website to track all the checking and savings account bonuses out there and I was like… that would be amazing.

And now it’s here.

If you like to earn extra money by opening new bank accounts, you must check out this site. Introducing EveryBankBonus.

You can find bonuses based on:

  • Your state
  • If direct deposit is required or not
  • Minimum balance required
  • Monthly fees
  • Ability to open online

It’s pretty great.

bank account bonus

Easily find every bank offer available to you, and filter based on many factors

Here’s more about how it works!

Find every bank account bonus

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5 Reasons You Should Get Acorns for Micro-Investing (Even If You Have Other Accounts)

acorns app

I’ve had the Acorns app as a complement to my usual Fidelity investment accounts since 2017. I use it to generate a little funny money – and most of it is completely free.

The website and app interface are easy to use and nice to look at. Over the past couple of years, I’ve grown to like what Acorns has to offer, and recommend it as a way to get started with investing. Even if you typically invest elsewhere, Acorns is still worth a download.

acorns app

I wasn’t sure if I’d keep the Acorns app long-term, but at this point I’ll likely keep it forever

If you sign-up with my link, you’ll get a free $5 added to your account.

Here’s what I like about my experience with Acorns so far.

Everyone should give the Acorns app a download

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Yes! Just Got the Chase Ink Business Preferred 80,000-Point Offer!

chase ink business preferred

On September 1, I applied for the Chase Ink Business Preferred 80,000 points offer. And lord, it was a long time coming. I’m now under 5/24 for the time in eons, and haven’t opened a new Chase card in literally years.

I was nervous to apply after so long. But the chance to snag 80,000 valuable Chase Ultimate Rewards points was too much to pass up. And applying for new credit cards is seriously better than any drug for me. So I was getting that sweet adrenaline fix after submitting my application and watching this screen:

Chase Ink Business Preferred 80,000 points offer

Serotonin and dopamine ACTIVATED

Then was disheartened at this message:

YOU’RE WELCOME FOR MY REQUEST

Dang it. I knew this screen was common and the best bet was to sit tight and wait it out. I figured I’d give it a couple of weeks, and check back.

NOT. (Did you really give me credit for being that chill? 😹)

You know I logged into my Chase online account 4,000 times a day hoping the card would appear. After a week, I started to get down on my luck. After all, I already had seven other Chase cards. Would they really give me an eighth?

But then!

A white unmarked envelope from Westerville, Ohio, appeared in my mailbox. The joy and horror when I saw it!

Was it a thin rejection letter or a fat welcome packet? My fingers reached at warp speed. It was a fatty! There was a card inside! Perhaps it was a cruel marketing scam? Could it be?

I ripped through the paper and just starting laughing right there at the mailbox. I couldn’t believe it.

Just like that, I was back in the game. I had a new Chase Ink Business Preferred in my hot little hand.

Chase Ink Business Preferred 80,000 points offer

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Why I’m Moving (Even More) to Citi ThankYou Points – And Away From Chase

Like most points fanatics, I held Chase Ultimate Rewards points in the highest regard. It was my primary points program for years. At a recent Meetup, I asked everyone to include their favorite points program on their name tag. Literally everyone put Chase Ultimate Rewards points.

I was the odd one out. I proudly put Citi ThankYou points – which spurred interesting conversation. Because I haven’t really used my Chase cards since January 2019, when Citi Prestige unveiled 5X points earning for flights and dining with the Citi Prestige card.

Chase’s nearest competitor to Citi Prestige, the famed Sapphire Reserve, slid to ye olde sock drawer. Then, when the $450 annual fee came due, I downgraded it to the Freedom Unlimited, which I’ve used exactly never.

Why? Well, for my spending patterns, ThankYou points are much easier to earn. Combine that with the fact that Ultimate Rewards points aren’t as shiny as they once were and you have a recipe for saying “Chase Ultimate… who?

Sorry, Chase. It’s not me, it’s you.

citi thankyou points

One’s in, one’s out – which is which?

I say this as someone who is soon to be 2/24 (did I hear you gasp just then?). I mean sure, I’ll prolly get a couple more Chase cards for the sign-up bonuses. But I doubt it’ll change my long-term spending strategy.

Here’s my reasoning.

Chase No-Longer-Ultimate Rewards points

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Free Food! Get $7 Toward Your First Meal With Uber Eats Promo Code “EATS-RFUFR”

Sharing an easy win for $7 off a meal with this Uber Eats promo code: “EATS-RFUFR

Uber eats promo code

Easy $7 discount with Uber Eats

If you’re in a city where UberEATS participates (and there are many – here’s the full list), you can get $7 off your first order when you use an existing user’s promo code after you download the app for iOS or Android.

It only takes a few minutes and you can get a nice discount out of it. I’ll show you how easy it is.

$7 off Uber Eats promo code

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Mexico City Trip Report: Teotihuacan Ruins, Xochimilco Canals, & Frida Kahlo’s Blue House

This time a month ago, I was headed to Mexico City for Round Two, after a pretty terrible time there in November 2018. I’m happy it turned out to be the quintessential visit, including:

  • Amazing food
  • Aztec ruins at Teotihuacan
  • A boat ride in Xochimilco
  • Frida Kahlo’s studio home
  • A walk through Chapultepec Park
  • Shopping at one of the sprawling street markets

Mexico City is vibrant, welcoming, safe… and brimming with attractions. There are museums galore, amazing restaurants, tons of green spaces, architecture, historical sites, nightlife, and so much more to enjoy. And, it’s easy to get around, considering everything is a ~$10 Uber ride away (Lyft isn’t there as of August 2019). We didn’t even bother with the subways.

I could’ve spent a month there and it wouldn’t have been enough. Considering it’s only a ~2-hour flight from Dallas, I can see myself returning for a quick weekend visit. Plus, temps are in the 70s (with lows in the 50s/60s) all year, because it’s set in the temperate basin of a mountain valley. So coming from Texas, I got a mid-summer cool-down. 🤠

Mexico City Trip Report

Here I am with a shirt and bag from the street market, trying pulque for the first time in Mexico City

I’ll share the trip highlights!

Mexico City trip report 2019

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