In the money coaching app image, three screenshots of phones show ways of managing money so you can stress less and improve your spending habits.

Stackin’ Your Money With

There’s no denying it, we all love money. But somehow, no matter how hard we try, our relationship with money always seems to be a bit…complicated. We want to save it, but we also want to spend it. We want to make more of it, but we’re not quite sure how. That’s why using a financial coaching app like will help you start stackin’ your money.

If you’re thinking about using a financial coaching app like to help you get your finances in order. But you’re probably wondering: will it really help me? The answer is simple and definitive.

Stackin’ your money with a money coaching app like will definitely reduce your financial stress and help you manage money better.

How to start stackin' your money with a money tracking and money coaching app gif

Here’s the thing: financial stress is incredibly common. In fact, money is one of the leading causes of stress for Americans. And it’s no wonder why – with the rising cost of living, debt levels continue to increase.

According to I Will Teach You To Be Rich, “70% of Americans feel like they don’t earn enough money, and 72% feel like they don’t have enough saved or invested.”

What can you do to alleviate some of the financial stress that comes with these figures? Stackin’ your money to give yourself peace of mind. The article continues;

86% of Americans who felt they earned enough reported a high level of satisfaction, compared to only 48% who felt they didn’t earn enough. 72% of Americans who felt they earned enough reported being highly capable of living a fulfilling life, compared to only 23% who felt they didn’t earn enough.

IWillTeachYouToBeRich “70% of Americans say they don’t earn enough money” by Andrea Basse | March 3, 2022

Men lie, women lie, numbers don’t lie. We would all feel better with some breathing room in our wallets. How do we get there? With these tips for stackin’ your money with

Stackin’ Money By Reviewing and Reflecting with

In this anatomy picture, there's a breakdown of how stress impacts you physically from teeth grinding and headaches to tense muscles. The image links to the article Managing Stress and Money.

Intuit provides a wealth of information on why you need to keep your mind on your money. Statistics from multiple consumer reports paint a picture of people who don’t know much about their finances.

  1. 65 percent of Americans said they don’t know how much they spent last month.
  2. Gen Z is the least likely generation to know what they spent, followed by Millennials.
  3. 3. Nearly a third of Americans said they wish they’d spent less in the last month.
Mint.Intuit “Survey: 65% of Americans Have No Idea How Much They Spent Last Month” | Dec 11, 2020

Even worse, this lack of knowledge has bred fear in many consumers, creating a cycle of spiraling finances.

As money is the main source of stress for 44 percent of people, it’s possible many avoid examining the full picture of their spending habits, for fear of what they could find. For some it may be easier to avoid their finances altogether than stress about a budget.

Mint.Intuit “Survey: 65% of Americans Have No Idea How Much They Spent Last Month” | Dec 11, 2020

Stackin’ money by figuring out where your money is going

One of the best ways to get a handle on your finances is to review your transactions daily. This doesn’t mean that you need to spend hours going over your bank statements. But taking a few minutes each day to reflect on your spending and journal about your money mindset can make a big difference in your financial well-being.

Here are a few benefits of reviewing your transactions daily:

1. You’ll catch errors and discrepancies sooner.

If you’re not reviewing your transactions regularly, it’s easy to miss mistakes or fraudulent charges. But if you’re taking a few minutes each day to check in on your spending, you’re more likely to catch errors right away. This can save you time and money in the long run.

2. You’ll get a better handle on your spending patterns.

Stackin’ money by figuring out where it’s going firstWhen you’re not keeping track of your transactions, it’s easy to lose sight of where your money is going. If you’re trying to save money or reduce your debt, reviewing your spending can help you identify areas where you can cut back.

3. You’ll feel less stressed about your finances.

Money stress is a real thing – and it can take a toll on your physical and mental health. If you’re constantly worrying about your finances, taking some time each day to review your transactions can help you feel more in control. And when you’re not stressed about money, you’re free to focus on the things that really matter in life.

Two women are sitting with their backs to the camera as they look at a sunset over trees and a city skyline. Overlaid words read, "How Stress Impacts Spending, Saving & Investing." Read button links to the article How Stress Impacts Spending, Saving & Investing.
4. You’ll be better prepared for financial surprises.

No one likes surprises – especially when it comes to their finances. But if you’re not keeping track of your spending, an unexpected expense can really throw you for a loop. Reviewing your transactions regularly can help you anticipate changes in your financial situation and plan accordingly.

Image of a cell phone showing a payment of $91.07 to Dog Gone Holistic Monday, 21 June. The text above the image reads Transaction Swiping. Track what you spend. *Fall in love* with your progress.
5. You’ll develop a healthier relationship with money.

If you’re not paying attention to your finances, it’s easy to develop unhealthy spending habits. But when you’re taking the time to reflect on your transactions, you’re more likely to be mindful of your spending. This can help you develop a healthier relationship with money – and make better financial decisions in the long run.

The easiest way to review your spending

If you’re working on stackin’ your money, you have to know where it’s going. Having an app that can track your spending is the easiest way to go about it and the app is the best one to choose. Why?

Review your transactions with

It is one thing to look at a list of transactions on your banking app, see where you spent your money, and how much each purchase was but it’s completely different when you have to interact with the process. With the app’s Transaction Swiping, you look at each individual purchase and decide if it was REALLY a good purchase or not. Just like a dating app, you swipe right on transactions you feel good about, left on those you don’t feel too great about, and up on those that are just “meh” (like I typically feel about my streaming services). The quickest way to get over financial fear is to look your money and your purchases straight in the eye and face them.

Reflect on your daily mindset with check-ins

This is where the real work happens. With daily mindset check-ins, you get to be honest with yourself about your current relationship with money. Whether you feel stressed, excited, angry, or overjoyed, you can make the connection between your purchases (via Transaction Swiping) and how those purchases affect your perspective in regard to money. This is an underrated key to stackin’ your money.

Image of the app's mindset check-in intended to get the user to look deeper at the "why" behind what they do. The text at the top reads Daily Check-in Understand the why to feel better about your money. The on-screen text reads Anything to add to the why? Followed by user text expressing issue with holiday hours at their job.
Use the money app to schedule worry time, improve your relationship with money, journal and practice mindfulness daily.
According to, there are several effects your mindset can have on the way you view and manage your money:

If you’re feeling low or depressed, you may lack motivation to manage your finances. It might not feel worth trying.

Spending may give you a brief high, so you might overspend to feel better.

You might make impulsive financial decisions when you’re experiencing mania or hypomania.

If your mental health affects your ability to work or study, this might reduce your income.

You might avoid doing things to stay on top of your money, like opening bills or checking your bank account. You might try to avoid thinking about money completely.

Having a mental health problem might affect your insurance, so you end up paying more.

©Mind “The Link Between Money and Mental Health” | April 2022

Conversely, your money can have an equally profound effect on your mindset:

Certain situations might trigger feelings of anxiety and panic, like opening envelopes or attending a benefits assessment.

Worrying about money can lead to sleep problems.

You might not be able to afford the things you need to stay well. This might be housing, food, water, heating, or treatments like medication and therapy. See our information on what to do if you can’t afford the things you need.

Money problems can affect your social life and relationships. You might feel lonely or isolated, or like you can’t afford to do the things you want to.

©Mind “The Link Between Money and Mental Health” | April 2022

Stackin’ Your Money By Setting Savings Goals with

Saving has always been a key point of stackin’ your money but how exactly do we do it? Consider setting savings goals as a roadmap to how much you need and how far you need to go. There is psychological evidence that setting realistic, measurable goals improves the likelihood of getting things done.

Goals also help align your focus and promote a sense of self-mastery. In the end, you can’t manage what you don’t measure and you can’t improve upon something that you don’t properly manage. Setting goals can help you do all of that and more.

. . .Setting goals not only motivates us, but can also improve our mental health and our level of personal and professional success. “The Importance, Benefits, and Value of Setting Goals” by Leslie Riopel, MSc | June 14, 2019

Stackin’ Your Retirement Savings

There are many factors that will change what retirement looks like for you and when you can make that transition. For instance, whether or not you own your home, your general lifestyle, and your location can all greatly affect how much you will need when you finally clock out for the last time. As noted in this article:

There is no magic number when it comes to how much you should save for retirement. But a good rule of thumb is to save at least 10-15% of your income each year. This may not be possible for everyone, so start with what you can and increase your savings as your income goes up. Money Blog “Saving for Retirement 101” by Kaitlyn Ranze | Dec 7, 2021

A perfect way to start where you can is to set a retirement goal. If we use the above 10% on a $50,000 salary, you’re looking at a yearly savings goal of $5,000. Stackin’ your money with the app means you can track all of your money-saving milestones in one place and see every step you take towards your retirement.

Image of a woman holding a piggy bank about to put a quarter in it. The overlaid text reads Ultimate guide to saving for retirement. The read now button links to the article Saving for Retirement 101.

Stackin’ Your Money to Prepare for an Emergency

We may not know when something bad is going to happen but, like Thanos, it is inevitable. In cases like these, it can not be understated how important an emergency fund is. However, like saving for retirement, it’s not exactly the most glorious thing to do. That being said, having this perspective on your savings can make all the difference:

Gradually building your savings means keeping track of your progress. Let’s say you picked putting away $25 a week and we’re now at the end of month one and you have your first $100. AMAZING! Bask in the glory of your success! Take a minute and think about the next amount you want to aim for. It can be $200, it could be $500. Shoot for increments of at least $100. That amount is small enough that you can fit it into a budget but big enough that it takes some work. Keep with these increments until you hit the most exciting milestone, at least in my opinion, which is $1,000. Money Blog “How to Start an Emergency Fund” by Mackenzie Stewart | Nov 23, 2021

Once again, this is why it is so important to continue trackin’ while you’re stackin’ your money. The milestones you hit can be the difference between achieving your goals or giving up. Creating those realistic, measurable goals, hitting them, then moving on to bigger accomplishments is how you make something out of nothing. Unlike your average rapper, you don’t have to do it alone. Stackin’ your money with means you have our tools at your disposal to help make the grind feel effortless.

A woman holding the hood of her car up while she wipes sweat from her forehead. Overlaid text reads Saving Tips How to Save Money for an Emergency Fund. The read now button links to the article Saving Tips How to Save Money for an Emergency Fund.

Stackin’ Your Money With REMIX

We’ve gone over some of the more major focuses of stackin’ your money but I wanted to part with a few rapid-fire tips. Consider these as complimentary to the above uses of the app.

  1. Along with major savings goals, don’t forget to save for some fun. Black Friday and Cyber Monday are coming so set short-term savings goals for gifts for others and yourself.
  2. Be mindful of when big clearance sales hit and have money set aside for them. If you’re like me and you don’t care about the newest fashion trends, get your winter clothes on clearance in spring and your summer clothes on clearance in fall.
  3. When you’re reviewing your transactions, take note of any recurring charges. Constantly swiping left? Cancel that subscription! No need to keep spending money on something that isn’t bringing you joy.
  4. If you don’t feel strongly enough to cancel a subscription, see if you can knock it down a tier. Putting a couple dollars back in your pocket might be worth the ads. Bonus points if you’re able to free up that money to contribute to your savings.

When it comes to stackin’ your money with, it’s all about consistency and utilizing your tools to make your journey as efficient and effective as possible. I’ve said it before and I’ll say it a million more, you deserve greatness. You deserve to achieve your dreams. And you absolutely deserve to be stress-free about your finances. Let us help you get there.

Headshot picture of the writer of this article, Kenneth Medford III, with a muted black and white filter.
Kenneth Medford III

Writer, rhymer, gamer: the easiest way to define the man known as Kenneth Medford. I’m a simple man who loves to learn and loves to help and I wander the digital world trying to find ways to sate my hunger for both. Basically, I’m Galactus but helpful.

Check out my other work here or reach out to me on LinkedIn.

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We’re here to help you break free from the paycheck-to-paycheck cycle and navigate your financial journey, one day at a time. At Work gives you the tools to take control of your financial future.


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