Financial Action Plans

A searchable library of simple, high-leverage money moves — each with steps, an ROI estimate, and a difficulty rating. Members only.

What’s inside the Financial Action Plans

The Financial Action Plans are a library of 40 specific money moves, each broken into step-by-step instructions. Every plan lists how long it takes, how much ongoing effort it needs, its difficulty, a projected return rating, and an estimated annual impact range. The estimates are illustrations of what a move can be worth, not guarantees for your situation.

How to unlock them

Create a free account, then earn 200 XP from money quizzes and achievements. The plans are one of the bonuses in the free Net Worth Accelerator.

Plans by category

Banking (3)

Open a Wealthfront Cash Account
Open a SoFi Checking + Savings (Direct Deposit Bonus)
Open an Ally Savings Account with Buckets

Bills & Subscriptions (7)

Switch to Mint Mobile (12-Month Prepaid Plan)
Switch to Visible (Verizon Network, $25/mo Unlimited)
Switch to US Mobile (Pick Verizon or T-Mobile Network)
Negotiate Your Internet Bill in One Call
Lower Your Big-Carrier Cell Bill With Retention
Run a 90-Day Subscription Audit
Use Rocket Money to Auto-Find and Cancel Subs

Spending (3)

Apply for the Citi Double Cash Card (2% Flat)
Install Rakuten and Stack Cashback at Checkout
Install Capital One Shopping for Auto Coupons + Price Drop Alerts

Lifestyle (3)

Get a Library Card and Install Libby (Free Ebooks + Audiobooks)
Set Up Kanopy for Free Movies and Documentaries
Find Free Classes at Your Community Center

Investing (9)

Set Your 401(k) Contribution to the Full Employer Match
Pick a Target-Date Fund Inside Your 401(k)
Open a Fidelity Roth IRA
Open a Schwab Roth IRA
Set Up Fidelity Automatic Recurring Investments
Set a Payday Auto-Transfer From Bank to Brokerage
Open a Fidelity HSA (No Fees, Investable)
Invest Your HSA Cash Balance in an Index Fund
Save Medical Receipts for Tax-Free HSA Reimbursement

Savings (2)

Open an Ally "Emergency Fund" Savings Bucket
Automate $50 From Each Paycheck to Savings

Debt (4)

Build a Debt Avalanche Spreadsheet
Set Up a Free Undebt.it Payoff Plan
Product-Change an Annual-Fee Card to a No-Fee Version
Close an Annual-Fee Card Without Tanking Your Score

Insurance (2)

Get 3 Car Insurance Quotes in 30 Minutes
Switch Car Insurance Without a Coverage Gap

Income (6)

Sell Unused Clothes on Poshmark
Sell Electronics on Facebook Marketplace (Local Cash)
Sell Books, DVDs, and Old Tech on Decluttr
Build a 1-Page Brag Document for Your Raise
Pull Market Salary Data From Levels.fyi + Glassdoor
Book and Run the Raise Conversation

Psychology (1)

Use the Robinhood Gold Card to Auto-Invest Your Cashback

Related guides

Plans mention specific companies and products, and some links are affiliate links. See our editorial policy for how we make money. This is general education, not personalized financial advice.