Francis Foster

If you're looking for comfort all the time and you're sitting on a metaphorical sofa day in, day out, number one, you're going to get pretty depressed.

You're also going to get pretty fat.

Your muscles are going to be weak.

You're going to become lethargic.

Comfort will destroy you.

At the start of every year, I have the same thought.

Right, this is a year I properly sort my finances out.

Not just glance at my bank account and feel vaguely responsible.

I mean actually take control.

Build a proper emergency fund.

Be intentional about saving for the big things instead of just hoping it somehow works itself out.

The problem is most finance apps just show you what you already did.

They tell you where the money went.

That's useful, but it's reactive.

What I wanted was something that helps me plan ahead and actually move towards a goal.

Set yourself up for financial success this year with Monarch.

Monarch is an all-in-one personal finance tool designed to make your life easier.

It brings your entire financial life, budgeting, accounts and investments, net worth and future planning together in one dashboard on your phone or laptop.

What I like about Monarch is that it shows me exactly where my money is going, and more importantly, where it could be going.

You can map out debt payoff timelines, savings goals, even track investments against the S&P 500 all in one place.