There is power in saying no to the things we don't care about. But there is even more power in saying a big YES to the things we love. - Ramit Sethi

Schwab rolled out a phenomenal high-interest checking account years ago that offered unrivaled benefits for free. They've honored it and improved it over time. I trust them and have a checking account with them.

The truth is that the vast majority of young people don't need a financial adviser to help them get rich. We need to set up accounts at a reliable no-fee bank and then automate savings and bill payment.

In the end, managing your finances well is a lot like developing a strong personal productivity system: You keep track of everything without making it your full-time job; you set goals; you break them down into small bite-size tasks; you save yourself time by automating manual work; and you spend your time and brainpower focusing on the big picture. That's what I try to do with my time and money.