Note: I’m not a citizen, but I’ve been living in the US long enough to be considered a resident alien for tax purposes. On my visa, I cannot work any job that’s not directly related to my major in grad school (IT/computer science), but I can invest in the stock market.

Section One: Assets and Debt

Net Worth: from -$13,603.63 (Jan 2020) to $9,605.97 (Jan 2021)
Retirement Balance: $16,000 in my 401(K).
I only started working 2 years ago and my company messed up my registration so they basically didn’t put any money into it my first year there (I found out in horror and they gave me around $1,000 to say sorry…). I contribute 9% and my company matches 3%.
Savings account balance: $2,500
I have $2,500 set aside as my “emergency fund”, and I’m building back my vacation & study abroad budgets after having to tap into them for a move. My job is very stable and I won't be let go any time soon (unless I quit myself) so I’m not setting aside a big emergency fund for now.
Checking account balance: $3,111.01
Investment account: $1,500 in some stocks.
I initially dumped half of my 2019 bonus and some monthly contributions (totaling around $4,000) to this account to test strategies. This was my “study fund” and I didn’t care if I’d lose it all. I grew the account to around $10,000 and withdrew almost everything (that went to all the fees I had to pay to break my lease, my brother’s lease, deposit, moving expenses, and new furniture) and left $1,500 worth of stocks in there right now.
Credit card debt: $2,243.76 on my BestBuy card and PayPal Credit.
I had the money to pay for the items in full but they offered X months interest-free and I wanted to throw money into my debts instead. I always pay off all balances well before the deadline. I also pay all my credit cards in full and have never paid any interest.
Student loan debt: $11,046.09 left on my $20,000 loans at 8% for my BA in Biology and Statistics. Day 1 of arriving in the US, they sat us down, handed each of us a pen, and said hey kids here are the terms of your 8% loans, sign the documents now! I just turned 17, didn't even know I had to pay this money back, and remembered thinking "Is 8% a lot?" That's how clueless I was.
As a non-citizen, I will never have them canceled, so my plan was to tackle this as soon as possible and I started paying more aggressively until they made it 0% interest since Q4 last year.
Car loan: $4,900 left on my $10,000 loan at 8.9%. I didn’t have a long credit history when I bought the car (September 2019) since I only got my first credit card after graduation, so the rate was terrible. I’m planning to pay this all off after my bonus comes in March.

Section Two: Income

Income Progression:
2012 - 2016: I had multiple student on-campus jobs all throughout my undergrad, making from $7.25 to $10/hour. After graduation, I couldn't find any job directly related to my majors within 3 months (I had only been searching for Bio lab work), ran out of money, and had to go back home. Honestly, I didn't want to keep doing science either and was very lost back then.
2017: My first full-time job was being a tutor for a private college prep institution when I went back to my home country to “figure out what I wanted to do with my life.” They paid pretty well for the standards of living there ($1,000/mo). I worked that job while self-studying how to code and data science courses on the side and preparing my grad school applications.
2019: I got a job at my current company a semester before I graduated from my MS in Data Science program. This was my first “big girl job.” I started out at $64,000 and couldn’t work for 2 months due to complications in my visa processes so that ate up all my savings that year. By the end of the year, they bumped my salary up to $76,000 and we also had an annual 3% raise, so in total $78,280 + 5% bonus.
2020: One of my teammates left and one thing led to another, I got a title change from Data Analyst to Data Scientist towards the end of the year. I asked for a raise and they bumped it to $96,000 + 5% bonus.
2021: After our annual 3% raise my salary is now $98,880 (+ at least 5% bonus). I think I’m slightly underpaid, but this job is very low-stress and flexible (especially after we WFH).
Main Job Monthly Take Home: $5,082.58
Taken from my last paychecks (before the annual raise)
Gross salary: $8,000
Tax: $2,081.68
401(k) deduction: $720
Health insurance: $115.74

Section Three: Expenses

Rent & renter’s insurance: $935 for my share for a 2bed/3bath condo. My parents pay a flat $700/mo for my brother’s share. He recently moved here since his school went virtual until at least the end of this semester and our family wanted us to be nearby to take care of each other.
Savings contribution: $900
Investment contribution: $420, but will increase once my car loan is paid off.
Debt payments:

• $1,000 on car loan until paid off.
• $200.13 minimum on student loans for now at 0% interest, will increase to $1,100 when car loan is paid off.
• $300 for Best Buy & PayPal Credit promotional deals

Car insurance: $127.01 ($762.05 paid in full every 6 months)
Car registration: $25 ($300 annual)
Donations: $20 monthly (ASPCA), plus several hundreds throughout the year (last year I donated to BLM orgs and local animal shelters)
Gas: $0. I drive an electric car. Charging probably drives up my electric bill by a bit, but still cheaper than gas. Also, this means no car maintenance at all until my car battery dies, which probably won’t happen in the next 5 years.
Utilities (electric, natural gas): ~$150
Wifi: $40
Cellphone: $10.61 ($108.66 for 6 months and I got a $45 credit from my bank)
Groceries: $500 (for 2 people)
Subscriptions: $20 (HP Ink, shared Netflix account, YNAB, Disney+)
Pet expenses: ~$20 for wet cat food
Personal care/hobby: I collect perfumes. Between makeup, skincare, clothes (which I had planned to stop buying this year) and perfume bottles and samples (the majority of my "personal care" expenses...), I averaged $400/mo last year. Without the makeup, skincare and clothes, I budget $150/mo this year for my fragrance hobby.
Household supplies: $30
Education: $30 (language/technical textbooks, Udemy/Coursera)
Gifts: $30
Credit card fee: $21 ($250 annual)

Section Four: Background

Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Education is one of the top priorities in our household and this has been instilled in my mind since I was a kid. Perhaps because my grandparents were both professors and my parents both attended grad school, it was expected of us to have at least a bachelor's degree. With that said, my family tried to support our higher education financially as best they could and I'm very thankful for it. During undergrad, I had need-based financial aid and on-campus jobs, and my parents helped with the rest of my tuition. I still had to take (required by the school) a $20,000 loan. My grandmother helped pay for my 2-year master's program.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
During high school, I had a measly weekly allowance and my dad had me write out all the transactions in a notebook. I thought it was very silly back then but now thinking back, it was probably some good practice. Other than that, they didn't talk about money at all, and I was absolutely clueless and wasn't interested in personal finance until a couple of years ago. I don't remember how but I think I woke up one day and decided to read every book about personal finance I could find and now I do talk with my dad about finances.
What was your first job and why did you get it?
My first job was washing dishes as a student worker! We all had to do it our freshman year before we were allowed to find other jobs. I managed to find 3 other jobs (stage crew, sports event worker, and math tutor) and stayed with all of them for 3 years.
Did you worry about money growing up?
Even though our parents never let on to us about their finances, they made sure that we'd grow up comfortable financially, so I didn't worry because I didn't know anything.
Do you worry about money now?
Yes. As I grew up, I came to learn more about my parents' financial situation and realized that they've sacrificed a lot for us. I had the majority of my college tuition supported by the school, but my brother doesn't, and tuition in the US isn't cheap, especially when you convert it to our local currency. I also never know for how long I can stay in the US and keep making the same kind of money I'm making now so I'm trying my best to pay down the student loans ASAP.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I became fully financially responsible for myself when I started working at my current company. Before that my student worker jobs paid for my personal expenses in college but my parents still chipped in for tuition. I guess my family back home is my safety net but personally, I wouldn't ask them for help even if bad things happen to me in the future.
Do you or have you ever received passive or inherited income? If yes, please explain.
Nope.

Diary

Day 1 (Thursday) - $3.35

• Alexa wakes me up and turns the light on. I change into my work clothes and head downstairs to my “office.” My boss starts our daily standup call, talking about what we did yesterday and what we plan for the day.
• I have my annual review meeting. Everything goes well and my bosses are very pleased with what I’ve done, especially after I transitioned into my new title as a Data Scientist, which honestly brought me more fulfillment in my job as well. We talk about our annual bonus and raise, which I already expected. It’s not a lot of money but hey any money is money and I’m not saying no.
• Some people bought my photocards so I gather all the orders and purchase a shipping label since 1 order is with tracked shipping. (Don’t ask me how this works but I’m a K-pop fan and we collect expensive cardboards. Depending on the popularity of the member of the group, profit margins can go up to 400%.) I head to the post office and drop off all the packages ($3.35)
• I’ve been waiting for the mailman all day and he finally comes! I’ve been working from home for almost a year now and my back pain is starting to kill me so I decided to “invest” in a $400 chair with lumbar and neck support. My cat happily takes the other chair and starts claiming her territory on it.

Day 2 (Friday) - $206.24

• I wake up on cue at Alexa’s daily briefing. Half an hour passes while I ponder on a perfume sample set I saw in someone’s fragrance collection on Reddit.
• I eventually give in and purchase the Zoologist sample set ($120.24). It’s within my budget this month, I’ve been eyeing this one for some time now and I can resell it for 80% value once I’m done testing them, so it’s not a huge loss anyway.
• Late lunch today. I make a quick lunch with sausages and keto toasts and quickly finish it while watching some YouTube videos on personal finance and updates on $GME (no I did not buy any shares).
• When in doubt, throw every leftover food in your fridge in a pan and make fried rice. Side dish is sweet and sour tomato and egg “cloud soup.” Then we have our weekly family video call with my parents back in my home country.
• I go down the YouTube rabbit hole again and buy 2 more perfume sample sets ($86.00). All the purchases today (~50 samples) would probably take me months to try out so I promise myself no more until next quarter as I click the pay button.

Day 3 (Saturday) - $71.27

• I wake up at 8:45 am and laze around for half an hour, scrolling down Twitter and answering my friend’s questions on how to enter the stock market. Today is my cheat day (I have one every 2-3 weeks), so I contemplate if I should order delivery for lunch. I check YNAB and decide that it’s too expensive, so I go downstairs to make myself a hearty breakfast with a latte, half a croissant, grilled chicken breasts, and snack on some shrimp crackers and tangerines.
• I purchase a shipping label ($3.22) and head out to the post office. For some reason I want to smell like a lemon cake today, so I spritz on Xerjoff Lira, put on sunscreen, and head out. This perfume always makes me feel so warm and delicious.
• I spend the whole afternoon catching up with my Chinese and Korean lessons for the week.
• Suddenly craving some instant noodles, so I immediately get up and head to a local Asian grocery store to shop for instant and pho noodles (I’m planning to make pho for Lunar New Year) and some snacks for my brother ($38.71). We drop by a bubble tea shop nearby and get bubble tea and 2 dessert cakes ($19.71). I usually don’t drink sugary drinks, but since it’s my cheat day, I put in an order and pay for the both of us.
• Some more PC orders came in and they’re all with tracked shipping. The post office is closed tomorrow but I’ll just pay now for the shipping labels so that I won’t forget ($9.63).

Day 4 (Sunday) - $0.00

• I literally do nothing today until 4 pm.
• I make dinner, then finish my Chinese lesson and review the flashcards I made yesterday. That’s enough activity for the day.
• One of my friends calls to show me her album haul of the day and I'm tempted, but (fortunately?) there's no kpop store in my city so I make myself forget about buying any more albums.

Day 5 (Monday) - $40.10

• I wake up with a headache, not feeling too well, so I request a day off and message my boss. I can’t go back to sleep, so I just lie there in bed for a couple of hours. I suddenly remember that WandaVision is on air, and there are a couple of movies on there I haven’t watched yet, so I subscribe to Disney+ ($7.52) and start binge-watching.
• We ran out of soft drinks for my brother, so I have to drive to Costco again after lunch ($32.58). I also need to drop off all the orders that came in over the weekend.
• I go to my old apartment for my move-out inspection (I haven't been living there since December but still had to honor the 2-month notice and pay for all the rent). There are a couple of spots that might cost me some deductions in my deposit. Sigh. At least I get to tell them to remove the charges on my lease for February, and they assure me that they will.
• I finish binge-watching some movies on Disney+. I see Colourpop is advertising some Valentine’s Day palettes on my feed. I do not need those, I do not need those, I do not need those. I should’ve just unfollowed makeup brands on social media. Some more late-night scrolling, and then I finally go to sleep.

Day 6 (Tuesday) - $8.02

• I wake up groggily, still feeling a bit sick. We have a late standup today, so I take my time making my coffee and start working, as my cat also settles in on my lap and starts napping. My head is still aching and I'm not sure if it's the cold or just keto flu so I load up on electrolytes, fish oil, and acetaminophen just in case.
• Somebody lowballed me on one of my postings. Ugh I hate it when they do this, but this one is not selling too well, so I meet them halfway. I purchase another shipping label ($3.03).
• Today is our bi-monthly deployment date, which means all the engineers (and anyone who has committed changes in our codebase) meet up and sit around until all the merges are deployed into production. I had some changes last week so I just sit there and do my own work until it's my turn. My boss told me this morning he had some test API from one of our new clients so I go to check out some of the data there. Oh how I love me some messy, messy data that nobody knows what to do with.
• The repair guy who came to fix our washing machine doesn't leave until 5:15 pm so I drop by the post office late, but just in time as they're collecting the mail! Then I drop by a nearby (rather upscale) grocery store as I'm running out of heavy cream, but everything is so expensive. I compare price per oz and pick up the coffee creamer instead ($4.99).
• I heat up the cauliflower rice and leftover curry and eat dinner as I watch Coco (I can't believe I've never actually watched it!) Then I review my Chinese flashcards for a bit, do half an hour of Just Dance until I sweat, play with my cat, and call it a day.

Day 7 (Wednesday) - $3.49

• I stayed up quite late yesterday playing a mobile game and finally wake up after snoozing the alarm for the 84th time. My boss starts our standup at our usual time; there's nothing urgent or pressing today so I just take my time. I take a quick nap in the afternoon and go back to work.
• I use the last drops of avocado oil to fry up some bulgogi for dinner. Need to go back to Costco for more avocado oil tomorrow, I guess.
• After dinner, a friend asks me about perfume samples that she wants to try. I go online to search for them but no dice since they belong to a new collection that only got launched in Europe. I take this time to try out some similar smelling samples in my collection as well.
• I review my Chinese flashcards and do some workbook exercises. After an hour, my brain is fried on Chinese but I don't want to go to bed yet, so I pick up a book on my bookcase that I was reading a while ago (A Random Walk Down Wall Street) and read one more chapter.
• An order came in so I purchase another shipping label ($3.49), update my budgeting app for a bit, and then head to bed.

Summary

​

Category	Amount	Note
Food & Drink	$95.99	Groceries
Fun / Entertainment	$7.52	Disney+ subscription
Home & Health	$0.00
Clothes & Beauty	$206.24	Perfume samples
Other*	$22.72	Shipping labels
Total	$309.75	shipping labels not included

*I don’t count the shipping labels as expenses because they’re already factored into the profits I made from my sales, but I included them anyway because they're still charges on my accounts. Any profit goes back to funding my album purchases so... I guess it's a vicious cycle.
Overall, a pretty normal week for me in terms of food. I don’t eat out often (I allow myself only one meal and one dessert every month) and have used up my 1 dessert allowance this week so I probably won't have any more this month. I might’ve gone overboard with the perfume purchases this week, but tbh perfumes bring me joy. My mood is lifted and I'm transported to old and new places every time I put on a perfume that I enjoy, so for me, it’s worth it. I try to be frugal whenever I can, but I'll never skimp on education and hobbies that make me happy. Writing this week-long diary, I realize I need to get back to working out, though. I'll probably have to stop procrastinating and pull out my RingFit gears still inside the moving boxes. Playing Just Dance also makes me miss dancing so bad as I used to be active in several dance crews since college (but stopped after I started working full time). I'll try to stick to Just Dance for now to get my cardio until Covid is over and I can get back to in-person dance classes.

Title: I am 35 years old, I made $67,665 gross last year (between multiple jobs) and live in Buffalo and work in higher education and retail.
This is my 5th MD update. Previous MDs in June 2019, October 2019, February 2020, and July 2020.
Ref29 questions:
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
Absolutely. Both of my parents have bachelors degrees, and it wasn’t even a conversation of “if” I was going to college, but “where”. I ended up going to a private 4-year college, with a 75% merit scholarship. I was able to pay for the first semester with savings bonds/general savings, but took out loans for the remaining semesters. I worked 2 on campus jobs (tour guide and TA), plus at a coffee shop - this was more for spending money/gas etc. Looking back, I wish that I had put more of that income aside for paying for school, but I was definitely headlong into the student loan trap of “it’s ok, this is good debt….blah blah.”
I thought that i had the exact idea of what I wanted to do for a career - and that basically required a masters degree - so I went straight to grad school after undergrad. Private - and took out the maximum student loans for both years. I cannot stress what a terrible financial idea this was. The last half of my MA was in DC, so I used the loans for rent/food, as I had a full time unpaid internship. Long story short, what I thought was my career goal wasn’t.
I am FINALLY nearly done paying off my loans. If I had to go back and give my past self advice, it would have been to not go to grad school directly after undergrad. I still might have gotten my masters, but I would have done it in a much more financially responsible way.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
We had conversations growing up - but it was much more of a conversation now that I’m an adult. I’ve noted in past MDs, but my parents have told us that they regret not being able to help us all more as teenagers/college/young adults, so they’ve been extremely supportive of my focus on debt repayment.
Did you worry about money growing up?
Not really. I remember being conscious about it - we didn’t have new cars (EVER - like it’s still a thing), and we used coupons/budgets/bulk freezer meals for shopping, but I think a portion of that was that there were 4 of us kids. We were all involved in a variety of extracurricular activities as well, but I don’t remember even being like, limited or restricted from doing anything.
Do you worry about money now?
Absolutely.
While I am noting that I’m making progress, it is still very overwhelming. It’s really hard for me not to beat myself up when I either buy “treats” or things that aren’t really treats, but are just home comforts. I finally bought myself 2 sets (!) of decent sheets this past month after having 1 set of crappy sheets for the last 2 years lol. I still have so much work to do, on debt repayment, fully funding my emergency fund, and (massive goal here) saving for a down payment on a house.
At what age did you become financially responsible for yourself and do you have a financial safety net?
I would say I was financially responsible for myself when I moved for grad school in the fall of 2008 (so when I was 22/23).
That being said, I definitely have had a financial safety net - my parents always assisted with grocery money if I needed it - when I was married, that definitely was not only a safety net, but also got me in a lot of bad habits.
Since my divorce, my parents have assisted with cell phone, car insurance, and letting me live with them for a few months when I moved back to the US. I know that if something happened, they would absolutely assist with a place to live if I needed it.
Do you or have you ever received passive or inherited income? If yes, please explain.
As previous MDs have noted, my parents have assisted with assorted checks when my dad got a bonus, and they have always been extremely generous with holiday $.
Section One: Assets and Debt
Retirement Balance (and how you got there): $33,194.67 (up from $23,800 in February 2020)
This is a combo of Stash Retire ($1721.52), 401K from a previous job ($17,330.01), retirement accounts from my current job ($2807.58 in my optional IRA to which I contribute extra; $2947.46 in the basic retirement plan, to which my employer contributes 7%), and TSP from a previous job ($8,388.10).
Savings account balance: $1000
Checking account balance: $1381.07 (at the start of the money diary)
Credit card debt (and how you accumulated it): $7,558.08 (focus has been more on student loans, plus I am a bit guilty of using it at random points) (down from $19,556 in June 2019).
Student loan debt (for what degree): Current remaining balance is $972.57!!!!! This is down from $23,645.37 in June 2019) (combined loans for undergraduate and graduate degrees in International Relations. To give you an idea of how much I’ve paid off - I’ve paid $118,297.81 off up to this point).
*note: December was a PHENOMENAL debt payment month for me (just over $4k).
Section Two: Income
Main Job Monthly Take Home: $2847.53
*after using the IRS refund calculator, it became clear that I was expecting a much higher refund, so I stopped having extra withheld. Eventually I’ll get the hang of it.
Side Gig Monthly Take Home: $1442.72 (average monthly take home August-December 2020)
My retail job fully reopened, and I also applied for, and got a promotion, which meant both an hourly raise and more hours)
Any Other Monthly Income Here:

• Christmas $ from Mom & Dad - $1000
• Stimulus Checks - $1200 + $600 (Both of these went mainly to debt repayment)

Section Three: Expenses
Rent / Mortgage $980.00/month (+ $3.95 service charge when I pay online) (no change)
Retirement contribution: $115.58/month Roth IRA from work + $80.00/month into Stash Retire (no change)
Savings contribution: $0/month (Debt payments are the priority)
Investment contribution: None
Health/Dental/Vision Insurance: $76.38/month (Through work, it gets taken out biweekly)
FSA contribution: $27.78 biweekly (I set my annual contribution at $750 this year, up from $600)
Debt payments
Student Loan minimums: $55.54 is strictly the minimum for my FINAL (!!!) student loan, but as you all know by now, I have been attacking these with a vengeance and plan on this being gone no later than March.
Credit Card minimums: Avg. Monthly Payment $300. (as mentioned in the debt section, I have slipped slightly on allowing myself to use the credit card, but still have been able to lower my overall amount)
Wifi/Cable/Landline: $64.99/month
Cellphone: Still on the parental plan, but will be transitioning off. I’m shopping around and have started to budget.
Subscriptions: Apple storage - $2.99/month; Netflix- $8.99; (even though I’ve been able to be at home much much more, we still get a monthly barkbox for the toys; Spotify Premium - $9.99/month. Headspace - $14.99/month. Renaissance Periodization - $16.19/month
Laundry (if you pay per load): $40/month. I put aside $10 per paycheck.
Gym membership $75/month - I budget this much for my ROMWOD and Movement Vault monthly subscriptions. This also covers my monthly subscription for my WHOOP band. My retail side gig also provides $225/month to work out. This covers my monthly membership to my crossfit gym, as well as extra megaformer classes. $32.63/month for WHOOP; $13.95/month for ROMWOD; $9.99/month for Movement vault
Pet expenses: $150/month - includes pet insurance. This is what I put into my budget for insurance, food, grooming etc.) Barkbox 31.54/month; Pet insurance $79.24
Car payment / insurance / average gas:$100/month (as my dad plans on retiring within the next year, he will be signing over my car to me, meaning that I will be taking on my insurance. I fully acknowledge that this has been nice to not have to worry about, and that my parents have been absolutely amazing. The current annual insurance for my car looks like it will be around $450. Future money diaries will take this into account.
Renter insurance: $12.50/month
Average groceries / household supply spend; Looking at YNAB, my average spend has been just over $700/month. This seems insanely high for one person, but I do also follow a RP meal plan, meaning that I tend to eat A LOT to fuel my workouts. I also haven’t gone out basically at all ….
Regular therapy: N/A
Charitable Giving: $75/avg. August-Dec 2020 (Much of this was “rage” donating in the run up to the election)
Annual Expenses:
YNAB (You Need A Budget): $83.99/year
NB: Anytime I leave my house, I am masked, including gym visits. It’s honestly not terrible once you find a mask that works for you!
Day 1: Friday
5:45am: Alarm goes off and I get up to put the kettle on to start coffee. Today is a weigh in and weekly review for my meal/training plan, so I enter my numbers and see what my upcoming week will look like as far as my macros. I notice that my chest/shoulder are sore, and hurt when I take a deep breath, but assume that I just slept on my arm wrong. I take out the dog, feed him, and head out to my weightlifting class.
7:30am: Nope, not just sleeping on it wrong. I make it through the lifting portion, but when we start the metcon, I have to stop because it hurts too much to take a really deep breath, instead stretching and cheering everyone else on. Annoyed, but hopefully it’s nothing too crazy. I think it’s just a strain from my muscle up drills the day before. Once I get home, I make breakfast - a savory oatmeal with oats, cheese, chicken sausage, egg whites, and mushrooms, topped with a fried egg and za’atar seasoning from Trader Joe’s. YUM. I log into work and get settled in for a 2 hour (ugh) staff meeting.
11:00am: Finally done with that. Thank goodness for my camera getting to be off. I take a shower and get into “work” clothes - aka lululemon from top to bottom (align leggings, ebb to street crop tank, and a sit in lotus wrap). Back to work until it’s time for lunch, which I have just after noon (rice, sweet potatoes, bell peppers, and ground beef, topped with avocado). Work continues afterwards.
2:00pm: Time for work #2! It’s a fairly uneventful (and slow) afternoon/evening, which is ok after the craziness of the holiday season. And I only have to tell 2 people to put their masks on over their nose and they don’t give me an attitude - woohoo! Around 5 I eat my food on my 10 minute break - another taco-ish bowl, just without the avocado from earlier. I get out from work at 7:30pm.
8:00pm: Home, take the pooch out and feed him and make my casein hot chocolate (casein protein is a slower digesting type vs. whey and it’s my evening “meal” most of the time) plus a couple dark chocolate peanut butter cups. I facetime my Mom briefly and then we each put on our respective Star Wars shows - she and my Dad are watching the Mandolorian (they just got Disney+), and I’m deep into season 4 of the Clone Wars. Bedtime routine starts at 9:30 with a couple of melatonin gummies and I brush my teeth and wash my face (eye makeup remover, then Neutrogena foaming cleanser, and a nighttime moisturizer from Aldi). Snuggle up with the dog and a heating pad with a Headspace night sounds playing.
Daily Total: $0
Day 2: Saturday
5:50am: NO. It’s like 30 minutes before I want to wake up...NO.
6:10am: Uggggggh
6:20am: FINE. Dog outside, then fed. I make coffee and another savory oatmeal (AMAZING - same as yesterday, just no bell peppers). Catch up on podcasts and my YNAB budget. In happiest news, I can take a full big breath without that weird pain from yesterday! Yay!
10:00am: Home from my workout, which went amazingly - I love a good long chipper of a workout! I take the dog out for a little cold weather walk and then make my post-workout meal - Kodiak chocolate chip pancakes with blueberries! (use 1 egg and almond milk to make the pancakes and it fits my post-workout macros: 35P, 10F, 65C). I follow this with a cuddle session with the dog while watching Marple episodes and drinking coffee. I also add items to my lululemon shopping cart and exit out of it before I can spend money. While I get a great discount (especially on markdowns), I know I don’t really NEED anything, so I don’t get anything.
1:00pm: Off to the mall for work. I stop on the way to fill the gas tank ($25). It’s a busy day, but a good one - during my break I eat my taco bowl (rice, sweet potatoes, ground beef, peppers and avocado). I work until 7:30pm.
8:00pm: Home, dog out, casein hot chocolate - the usual. I’m nothing if not a creature of habit. I pull out a Trader Joe’s chocolate croissant to prove overnight in the oven. Bedtime is around 10pm.
Daily Total: $25
Day 3: Sunday
7:50am: Whoooops, I intended to wake up around 7:15, but I didn’t actually set the alarm. Luckily the dog wakes me up with a polite whine - I take him out, make coffee and a bowl of oatmeal (oats, almond milk, egg whites, topped with blueberries), and head to my workout around 9.
11:00am: 2 workout classes later, I’m home - post workout meal is the aforementioned chocolate croissant, and a little egg scramble of egg whites, mushrooms, chicken sausage and broccoli. The afternoon is spent with old Miss Marple episodes on Amazon Prime, combined with laundry and apartment cleaning.
3:00pm: I made a quick loaf of bread (2 hrs of rising, then shaping) and put it in the oven. Happily it turns out pretty damn tasty - I make Trader Joe’s Cippino (seafood soup) and have that with toasted fresh bread around 4/4:30pm. A Clone Wars marathon ensues - the Bills are playing in the AFC championship tonight, so the city is basically a giant ball of nerves. I don’t watch the games (and haven’t all season - mostly because I don’t have all the apps/cable), but I follow the score on my phone while watching many (MANY) episodes of Clone Wars. I facetime my mom and dad around 7 after they finish the Mandolorian and we can all squeal with excitement.
9:00pm: Melatonin gummies, contacts out, teeth brushed, face washed, bedtime.
Daily Total: $0
Day 4: Monday
5:45am: Awake, coffee, take the dog out, head to crossfit.
7:30am: Home, dog out again, then breakfast (homemade toast, everything but the bagel smoked salmon, scrambled egg+egg whites) and more coffee. I login to work at 8am, and get the morning podcasts going (Up First, the Daily, Post Reports, the Intelligence).
10:00am: I place a Target pickup order for the snacks for our break area at the mall (seltzer, peanut butter crackers, cookies, granola bars - all single serving packs). I will be reimbursed for this by the store. ($39.57 - I get a notice that an item isn’t available after I place the order...oh well)
11:00am: I’m traveling out of state for a couple of days - it’s a long awaited tattoo coverup (don’t get a tattoo for a significant other….I knew not to do this...and yet I still did), so I make my list of items to pack and things to remember to do (take out trash, do all my dishes, etc). I will be driving to my destination (Indiana), staying at a hotel by myself, going to the tattoo shop (masked), and back to the hotel. Not telling friends I’m there, not going out anywhere. And I’ve scheduled a test for 4 days after my return, per NYS rules. If I could make the drive nonstop, I would, but your girl isn’t giving herself a UTI lol. I’ll be masked and sanitized anytime I step out of my vehicle. Still super nervous, but getting this tattoo covered up is like….the final FINAL step. I also take a shower (finally, yes I’m gross and have been sitting in my workout clothes since I got home - god help me if I ever live with a human again lol).
2:00pm: Time for head out for work! On the way, I pick up my previously mentioned Target order, and also pick up meals for my trip from a local meal prep place - I get a bunch of great stuff (2 breakfasts, 2 dinners, 1 lunch plus energy bites for the car), plus it means that I can just hermit it up in the hotel room apart from the actual tattoo appointment. ($62.68). I get to the mall early before my shift starts - since I know I’ll have a tub in the hotel room, and I don’t have one in my apartment, I get a couple of bath bombs and lotion from Lush ($25.93) and a whole bunch of sheet masks from Sephora ($25.01). Then time for work - It’s a fairly quick shift, which is nice, not too terribly busy and we get a lot done. And people at the mall are generally not pills today - epic win!
8:15pm: Home from work - take the dog out and have a little evening meal of homemade soup from my co-worker (it’s a kale sausage soup her husband makes and it is AMAZING) and the rest of my homemade bread. I finish packing up and the poor pup definitely knows something is up. Bedtime around 10pm.
Daily Total: $153.19
Day 5: Tuesday
5:45am: Alarm, dog, coffee. Rather than dirtying dishes, I heat up one of the prepped breakfasts I brought (a breakfast sandwich with chicken, which is actually quite tasty - plus some blueberries). I get the car loaded up with my stuff and the dog - he’s staying with my parents while I’m gone - and head out by 7:15am. After I drop him off I top off my gas tank ($14.10), and also get a couple of bubly waters and a can of death wish coffee for the road ($6.25).
12:00pm: Lunch stop at panera - fuji apple chicken salad and a cup of chicken noodle soup - drive thru and eaten in the car ($10.94, but I have a gift card). Road Trip Podcasts: You’re Wrong About and Noble Blood.
3:00pm: Gas stop (there’s also a few bathroom stops, but since I didn’t spend anything, it’s not terribly relevant, right? :) ) ($27.01).
5:30pm: Arrival! Check in to the hotel - masked front desk employee, check. Bring my stuff up to my room, and jackpot - biiiiiiiiig tub. Looks like those bath bombs were a solid choice! Open up the work laptop to see if there is anything urgent - nothing crazy - and decide which meal I want for dinner. Bourbon Chicken with Broccoli and Sweet Potatoes it is. Plus a Sparkling Apple Cider vinegar beverage (ginger and lemon) from Trader Joes. Before I eat, I do a lower body focused stretching routine from ROMWOD since I spent so long in the car.
7:30pm: Bath Bomb, Face Mask, Feet Mask, and finished Night Stalker on Netflix. Since I’ll be quarantining until I get a negative COVID test after my trip, I order 10 meals through the same meal prep company that I got my travel meals from ($88.43 - includes both delivery fee and tip). They will be delivered on Sunday.
Daily Total: $146.73
Day 6: Wednesday
6:00am - I had intended to sleep longer, but my body is like - nope, you’re waking up at the same time no matter what. Coffee (keurig in the hotel room - ick) plus a prepped breakfast (a goat cheese egg white scramble with sweet potatoes - which is delicious). Morning podcasts and I open up the work laptop. Since I’m awake I guess.
7:30am: Hotel room workout - I do yesterday’s workout from my gym, with a few modifications, but it still feels great to move after sitting in the car for so long! Shower afterwards, then food (Mexican Taco Bowl!) and work.
10:30am: Squuuuueeee it’s time for my tattoo. I double mask up, drive through for a Starbucks order ($4.74 - paid for on my Starbucks app with previously loaded funds) and head to the shop! I already paid my deposit and took advantage of a gift card sale before Christmas so I don’t owe anything additional today. We do linework, shading, and partial color. It’s going to take 2 appointments to do the full thing, so we make my next appointment for May (augh, I cannot wait!). My coverup is over black text, so a cover up involves a LOT of layering of color. I’m impressed that I still have stamina after not getting a tattoo for nearly 3 years.This is going to be BEAUTIFUL.
2:30pm: After my tattoo appointment, I make a quick stop at CVS (still double masked!) to pick up aquaphor, orange dial soap, ibuprofen, and toothpaste (cause naturally that’s the one thing I forgot to pack - d’oh) ($22.00). I make a curbside pickup order for Panera - another soup and salad combo ($10.55 - again paid for with gift cards!). I head back to my hotel room, eat, put on more podcasts (Planet Money, Can He Do That, Code Switch) and log onto work. An uneventful afternoon follows.
6:00pm: Facetime call with my mom, then dinner and various true crime documentaries on Netflix and Pinterest browsing because as per usual, now I want allll the tattoos. I also put in an order for a grocery pickup on my way home (coffee, coffee creamer, fruit, etc) ($66.82). I try to make a testing appointment through NYS for my return COVID test on Monday, but the automated system keeps putting me in the first available, which is Friday….I’ll try to schedule again on Friday so that the timing works. Bedtime tattoo routine of wash, aquaphor and ibuprofen, as well as a sheet face mask. Sleep around 10:00pm.
Daily Total: $104.11
Day 7: Thursday
6:00am: Welp, up and at em! I finish packing all my stuff, check out of the hotel and warm up the car. I head out around 7:00am. Top off the gas tank ($12.80) and I also add $15 to my Starbucks card and drive thru a Starbucks (Spinach Feta Wrap + Cafe Misto with almond milk). Then it’s time for podcasts and lots of driving. My mom had suggested a podcast from Serial - S*%*Town. IT’S AMAZING and this drive has never gone so fast!
11:00am: (or sometime around this time) Stop for gas ($27.01) and another Starbucks stop ($15 reload) to get another misto, a bottle of water, and a fruit/cheese/hard boiled egg box.
3:00pm: I was going to try to make it all the way without stopping for anything else, but my stomach is about to eat itself. I stop at a Tim Hortons about 45 minutes away from my parents’ house and get timbits and a hot chocolate (which is gross) ($6.66 - eeep). I get to my parents’ house - my mom and dad stay upstairs and in the basement respectively while I use the bathroom and retrieve a very happy pup. Once I get everything out to the car, my mom and dad come outside (double masked, as am I) and we quickly wave and air hug from a distance. On the way home, I drive through the grocery pickup and get my groceries.
5:30pm: Finally home. The dog is very happy to be home too - my mom said when she would come into the bedroom where he was, he would look at her and be - “oh…..just you…”. Such a momma’s boy :) Dinner is actual food (the rest of the kale sausage soup). I also put together a batch of cranberry almond biscotti (based off the Ina Garten cherry pistachio biscotti) - the apartment smells delicious. Settling in for post-travel isolation lol.
9:30pm: Melatonin gummies, tattoo upkeep, and then bedtime with the dog!
Daily Total: $76.47
Weekly Total: $505.50
Food & Drink: $326.64
Fun & Entertainment: $0
Home & Health: $22.00
Clothes & Beauty: $50.94
Transport: $105.92
Reflections:
First, GODDAMN I AM SO EXCITED TO PAY OFF THIS STUDENT LOAN. Just paid another $200 on it this morning, so we’re under $800!! If you hear an excited scream from the Western New York area next month, don’t worry, it’s just me.
Second, this was a higher spend week than usual, but I’m really proud to have budgeted for all of it. I had basically prepaid for the tattoo (on the gift card) and there’s still leftover for my next appointment. I had also budgeted and saved for the increased amount of gas and food.
Third, hopefully this isn’t too boring. My life pre-pandemic wasn’t terribly interesting, and it certainly isn’t now lol. I’m hoping to continue my debt payoff progress by finishing paying off my credit card debt in 2021, and start saving my 3-6 month emergency fund before starting that house down payment savings! I’m even starting to allow myself to start actually looking at Zillow.
I have been isolating since I got back - just drove through and got my COVID test, so fingers crossed for a quick reply!
Lastly, the coverup tattoo is going to be beautiful. I can’t wait for it to be finished!
Thanks for reading this whole thing!

Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.
I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page.
Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $8-$1600 for depositing $100).
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth $10 guaranteed (you get to pick a fraction of a share of stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit.
  • http://share.public.com/aruiu
• M1 Finance: BONUS IMPROVED! $30 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) just for opening an account. No deposit required. 2 more free stocks for depositing $100! Expires February 15th at midnight EST.
  • https://share.firstrade.com/AmadeoEAUZ
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Moomoo: PROMOTION UPGRADED! 1 free stock worth $4-$200 for making a $100 deposit.
  • https://j.moomoo.com/000LR3
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and an optional $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
  • https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites

• SoFi Money: $50 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Porte: $50 for depositing $500 from any source.
  • Open this link from your smart phone:
  • https://portebanking.app.link/es7KK8Fb69
• Chime: $50 for $200 direct deposit.
  • https://chime.com/amadeoruiu
• Chase Bank: $200 for opening a checking account and doing a $500 direct deposit. Credits quickly!
  • https://accounts.chase.com/raf/share/2479514579
• One Finance: $50 for opening an online banking account and doing a $250 direct deposit.
  • https://share.onefinance.com/invite/Amadeo6c7b8c22
• Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
  • https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Premier Members Credit Union: $50 for opening a money market (checking) account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). Message me for a link.
• N26: $10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
  • https://app.n26.com/referral/amadeor4364
• Radius: $50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. - TLAM9428D4
  • https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "RAY037” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Gemini: Free $10 worth of Bitcoin for trading $100. Available globally, not just the US.
  • https://gemini.com/share/rllzke26
• Celsius: Free $40 for depositing $200 worth of cryptocurrency and using promo code "web40".
  • https://celsiusnetwork.app.link/101697ce8c
• Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
  • https://platinum.crypto.com/66v69rwt76
• Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
  • https://www.myconstant.com?r=annoyedproduct
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid-$12 of free crypto: https://coinbase.com/earn/oxt/invite/t0wvs4k2
  • Compound-$9 of free crypto: https://coinbase.com.earn.comp.invite.9x21smry

Credit Cards

• Chase Freedom or Flex: Free $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying an Amazon gift card, buying a visa gift card, etc.
  • https://www.referyourchasecard.com/18/8EG7P6BN62
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other Offers

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks so that they can offer you an auto insurance quote. You need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus if you wish, I did!
  • https://rootbonus.com/AmadeoRuiu
• Worthy Bonds: Free $10 for opening an account, no deposit required.
  • https://worthybonds.com/?r=etyji
• SoFi Loans: Free $10 just for checking your personal loan or student loan refinance rate options with SoFi. Can also get an extra $300 if you go ahead and accept their loan offer, but you can just ignore the offer and keep the $10 if you wish!
  • Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
  • Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f
• Fetch Rewards: Receipt scanner app, rewards you 5 cents for each receipt you scan from most major chain stores. $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
  • https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
• Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
  • https://www.raise.com/raise-rewards/AMADEO0427

--Details on each offer below--

Stock Trading Apps/Websites-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock!
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you 1 stock worth $10 guaranteed (you get to pick a fraction of a share between stocks like Disney, Apple, Amazon, Tesla, etc.) for opening an account and making a $20 deposit. The way fractional shares work is, you get a piece of one of these stocks. You can still sell it or choose to sell it/hold it/it or whatever you wish, just like with a full share.
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS and Android, or you can use their website.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Moomoo

Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

One Finance

One Finance is a banking app/website offering $50 for opening an account with a referral code and making a $250 direct deposit.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment. They are completely fee free, and you can close your account and pocket the bonus quickly if you wish.
https://share.onefinance.com/invite/Amadeo6c7b8c22

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close your account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "RAY037" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

• https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

• (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other Offers-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi Loans is offering a free $10 just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish!
You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it.
https://www.youngmoneywhisperer.com/home

Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.
I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page.
Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $8-$1600 for depositing $100).
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account (no deposit required!)
  • Open this link from your smart phone:
  • http://share.public.com/aruiu
• M1 Finance: BONUS IMPROVED! $30 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) just for opening an account. No deposit required. 2 more free stocks for depositing $100! Expires February 15th at midnight EST.
  • https://share.firstrade.com/AmadeoEAUZ
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Moomoo: PROMOTION UPGRADED! 1 free stock worth $4-$200 for making a $100 deposit.
  • https://j.moomoo.com/000LR3
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and an optional $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
  • https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites

• SoFi Money: $50 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Porte: $50 for depositing $500 from any source.
  • Open this link from your smart phone:
  • https://portebanking.app.link/es7KK8Fb69
• Chime: $50 for $200 direct deposit.
  • https://chime.com/amadeoruiu
• Chase Bank: $200 for opening a checking account and doing a $500 direct deposit. Credits quickly!
  • https://accounts.chase.com/raf/share/2479514579
• Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
  • https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Premier Members Credit Union: $50 for opening a money market (checking) account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). Message me for a link.
• N26: $10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
  • https://app.n26.com/referral/amadeor4364
• Radius: $50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. - TLAM9428D4
  • https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "RAY037” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Gemini: Free $10 worth of Bitcoin for trading $100. Available globally, not just the US.
  • https://gemini.com/share/rllzke26
• Celsius: Free $40 for depositing $200 worth of cryptocurrency and using promo code "web40".
  • https://celsiusnetwork.app.link/101697ce8c
• Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
  • https://platinum.crypto.com/66v69rwt76
• Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
  • https://www.myconstant.com?r=annoyedproduct
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid-$12 of free crypto: https://coinbase.com/earn/oxt/invite/t0wvs4k2
  • Compound-$9 of free crypto: https://coinbase.com.earn.comp.invite.9x21smry

Credit Cards

• Chase Freedom or Flex: Free $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying an Amazon gift card, buying a visa gift card, etc.
  • https://www.referyourchasecard.com/18/8EG7P6BN62
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other Offers

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks so that they can offer you an auto insurance quote. You need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus if you wish, I did!
  • https://rootbonus.com/AmadeoRuiu
• Worthy Bonds: Free $10 for opening an account, no deposit required.
  • https://worthybonds.com/?r=etyji
• SoFi Loans: Free $10 just for checking your personal loan or student loan refinance rate options with SoFi. Can also get an extra $300 if you go ahead and accept their loan offer, but you can just ignore the offer and keep the $10 if you wish!
  • Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
  • Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f
• Fetch Rewards: Receipt scanner app, rewards you 5 cents for each receipt you scan from most major chain stores. $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
  • https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
• Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
  • https://www.raise.com/raise-rewards/AMADEO0427

--Details on each offer below--

Stock Trading Apps/Websites-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock!
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you 1 stock worth up to $50 guaranteed. No deposit required!
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS and Android, or you can use their website.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Moomoo

Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close your account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "RAY037" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

• https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

• (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other Offers-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi Loans is offering a free $10 just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish!
You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it.
https://www.youngmoneywhisperer.com/home

Hello! Many companies are trying to expand their market share, especially in the app space, by offering cash or cash-equivalent incentives to new users. If one company offers new users a free stock/cryptocurrency/etc., and a competitor doesn't, then the company with the referral program will gain more market share. This gives you the opportunity generate a nice chunk of change by signing up for a bunch of different apps.
I constantly search the web for the latest and greatest referral opportunities, and this is an up-to-date list I'm maintaining that details the best offers around right now! There are more than $1500 worth of offers on this page.
Please feel free to leave comments with any thoughts/questions! Gemini, Crypto.com, and N26 are worldwide offers, the rest are US only.

Stock Trading Apps/Websites

• Webull: 2 free stocks (1 worth $2.50-$250, and another worth $8-$1600 for depositing $100).
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account (no deposit required!)
  • Open this link from your smart phone:
  • http://share.public.com/aruiu
• M1 Finance: BONUS IMPROVED! $30 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) just for opening an account. No deposit required. 2 more free stocks for depositing $100! Expires February 15th at midnight EST.
  • https://share.firstrade.com/AmadeoEAUZ
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Moomoo: PROMOTION UPGRADED! 1 free stock worth $4-$200 for making a $100 deposit.
  • https://j.moomoo.com/000LR3
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and an optional $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
  • https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites

• SoFi Money: $50 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Porte: $50 for depositing $500 from any source.
  • Open this link from your smart phone:
  • https://portebanking.app.link/es7KK8Fb69
• Chime: $50 for $200 direct deposit.
  • https://chime.com/amadeoruiu
• Chase Bank: $200 for opening a checking account and doing a $500 direct deposit. Credits quickly!
  • https://accounts.chase.com/raf/share/2479514579
• Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
  • https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
• Aspiration: $50 for spending $250 with their debit card within 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Premier Members Credit Union: $50 for opening a money market (checking) account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). Message me for a link.
• N26: $10 for opening an account and making a purchase of $20 or more using their debit card. Available globally, not just the US.
  • https://app.n26.com/referral/amadeor4364
• Radius: $50 for opening a Rewards Checking account, depositing $500,leaving the $500 in there for 60 days, and leaving the account open for 90 days. You must use my referral code when prompted during account signup to get the bonus. - TLAM9428D4
  • https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "RAY037” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Gemini: Free $10 worth of Bitcoin for trading $100. Available globally, not just the US.
  • https://gemini.com/share/rllzke26
• Celsius: Free $40 for depositing $200 worth of cryptocurrency and using promo code "web40".
  • https://celsiusnetwork.app.link/101697ce8c
• Crypto.com: Free $25 for "staking" (buying and holding) 5000 CRO (approximately $370) for 6 months. (enter referral code 66v69rwt76 if not pre-filled) Available globally, not just the US.
  • https://platinum.crypto.com/66v69rwt76
• Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
  • https://www.myconstant.com?r=annoyedproduct
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it). The "Compound" cryptocurrency has a similar promotion, with $9 of free crypto offered.
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid-$12 of free crypto: https://coinbase.com/earn/oxt/invite/t0wvs4k2
  • Compound-$9 of free crypto: https://coinbase.com.earn.comp.invite.9x21smry

Credit Cards

• Chase Freedom or Flex: Free $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card and spending $500 within 3 months. Easy to meet spending terms simply by doing something like buying an Amazon gift card, buying a visa gift card, etc.
  • https://www.referyourchasecard.com/18/8EG7P6BN62
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other Offers

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks so that they can offer you an auto insurance quote. You need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus if you wish, I did!
  • https://rootbonus.com/AmadeoRuiu
• Worthy Bonds: Free $10 for opening an account, no deposit required.
  • https://worthybonds.com/?r=etyji
• SoFi Loans: Free $10 just for checking your personal loan or student loan refinance rate options with SoFi. Can also get an extra $300 if you go ahead and accept their loan offer, but you can just ignore the offer and keep the $10 if you wish!
  • Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
  • Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f
• Fetch Rewards: Receipt scanner app, rewards you 5 cents for each receipt you scan from most major chain stores. $2 bonus for using a referral link and scanning your first receipt (open this link from your phone).
  • https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW
• Raise: Free $5 credit towards your first gift card if you sign up using a referral code, you can get an extra $5 off your first gift card purchase. I used it to buy a $10 Uber gift card, combined with their 2% discount, I only paid $4.80 for a $10 gift card!
  • https://www.raise.com/raise-rewards/AMADEO0427

--Details on each offer below--

Stock Trading Apps/Websites-

Webull

Webull is a commission free stock trading platform/app which is giving out 2 free stocks (1 worth $2.50-$250, and 1 worth $8-$1600 each for depositing $100). That's a MINIMUM of $10.50 in free stock!
Webull is available on iOS and Android, or you can use their website.
Referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you 1 stock worth up to $50 guaranteed. No deposit required!
Available on iOS or Android only.
http://share.public.com/aruiu

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $30 bonus that posts within 14 days.
M1 Finance is available on iOS and Android, or you can use their website.
https://m1.finance/J6aLCt6SRGdW

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required. Additionally, they are running a short-term promo where you can get an additional 2 free stocks for depositing $100. The extra 2 stocks offer expires February 15th!
Available on iOS or Android only.
https://share.firstrade.com/MilaAQOK

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
https://invite.robinhood.com/amadeor3/

Moomoo

Moomoo is a commission free stock trading app which gives you 1 free stock (valued at $4-$200 each) for opening an account via a referral link and making a $100 deposit.
Moomoo is available on iOS or Android only.
https://j.moomoo.com/000LR3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
https://www.acorns.com/invite/TLBCPD/

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer, so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
https://share.personalcapital.com/x/oGFEyl

Banking Apps/Websites-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
You can close the account at any time with no fees-
https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Porte

Porte is a bank/app which pays you a $50 bonus for opening an account via a referral code, and making a $500 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $500 from virtually any source including bank accounts, cashapp, etc.
Referral link- https://portebanking.app.link/es7KK8Fb6

Chime

Chime is a bank/app which pays you a $75 bonus for opening an account via a referral code and making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://chime.com/milazadrozny

Chase Bank

Chase Bank is offering $200 for opening a checking account with a referral code and making a $500 direct deposit. Can easily get around direct deposit requirement. Credits within a few days of meeting requirements.
A "direct deposit" means that they want you to deposit the money right from payroll, Social Security, or other direct payment.
https://accounts.chase.com/raf/share/2479514579

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close your account any time.
https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed here. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily get this). PM me for a link.

N26

N26 is a banking app (iOS/Android) which will pay you $10 for opening an account and spending $20 or more on a single purchase using their debit card.
The account has absolutely no fees and can be closed at any time. Account signup only takes a few minutes. You need to fund your N26 account from another bank with enough money to make the $20+ purchase. The debit card is shipped to you immediately after account signup. You receive the $10 bonus in the form of a statement credit. Available globally, not just the US.
N26 is available on iOS or Android only.
https://n26.com/amadeor4364

Radius

Radius is a bank which pays you a $50 bonus for opening an account via a referral code and making a $500 deposit from any source. There are no catches, and you can close the account at any time fee free. You need to keep your account open for at least 90 days after depositing the $500, and keep the $500 in there for at least 60 days to be eligible to keep the bonus. So in other words, you can open the account, deposit $500, leave it in there for 60 days, then withdraw the $500 if you wish, and keep the account open for at least another 30 days to get the $50 bonus.
You need to enter my referral code when prompted during account signup top get the bonus, its TLAM9428D4.
You can see referral terms in the FAQ at the bottom of the page, even though the landing page for the referral link does not do a great job advertising it.
https://open.radiusbank.com/?utm_source=referafriend&utm_medium=narmi&promocode=9umylb

Cryptocurrency Apps/Websites

Voyager

Voyager is a cryptocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "RAY037" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link (open from your smart phone)-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Gemini

Gemini is a cryptocurrency trading app/website which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Available globally, not just the US. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
https://www.coinbase.com/join/ruiu_8
They will also give you $9 worth of the "Compound" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com.earn.comp.invite.9x21smry
In addition, they will give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral link, enter the promo code "web40", and depositing $200 worth of cryptocurrency. You must keep your deposit in the app for 30 days to get the full $40 bonus. You can then withdraw the full $240 and close your account fee free. Available globally, not just the US.

• https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $25 for signing up using a referral link, and "staking (aka, buying and holding) 5000 CRO (their special cryptocurrency, worth approximately $370) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $25 bonus crypto to celsius instantly.
Available globally, not just the US.

• (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited or Freedom Flex credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited or Freedom Flex credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other Offers-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

Worthy Bonds

Worthy Bonds is a finance app(iOS/Android) that will give you a free $10 bond to download their app, and open an account using a referral code. You never have to deposit any money into the account to get the bonus. You can sell the bond and take out the money after 90 days. The bond will also earn 5% yearly interest while you wait to withdraw.
The app may give you a popup saying the bonds are sold out (its a page with a celebratory emoji that pops up). I got this too. They make this popup because they sold out of a certain type of community bond, but have replaced it with a new one for referrals. In other words, you will still get your free bond. Just make sure you hit "next steps", set your initial purchase and monthly contributions to $0, and proceed. It should then credit the free bond immediately.
https://worthybonds.com/?r=etyji

SoFi Loans

SoFi Loans is offering a free $10 just for checking your personal loan or student loan refinance rate options with SoFi. You can also get an extra $300 if you like their offer and decide to actually take it, but you can also just ignore the offer and keep the $10 if you wish!
You should research the pros and cons of student loan refinancing before you consider this option. You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
Personal Loan: https://www.sofi.com/invite/personal-loans/?gcp=bf4f78eb-3e5a-4419-b72c
Student Loan Refinance: https://www.sofi.com/invite/student-loans/?gcp=183a665b-be7a-45ac-9d5f

Fetch

Fetch Rewards pays roughly 5 to 10 cents (7.5 cents on average) for most receipt scanned. Accepts e-receipts if you connect your email/Amazon. Can scan up to 28 receipts in any given 7 day period. $3 minimum payout.
They also give a $2 bonus for signing up using a referral code (open this link from your phone).
https://fetchrewards.onelink.me/vvv3/referraltext?code=JU1GW

Raise

Raise is a discount gift card website, that offers a $5 credit towards your first gift card if you sign up using a referral code. They have gift cards like Amazon or Uber on their site, so its pretty easy to find something you would have needed anyway.
www.sofi.com/share/2498539?src=copy
Thank you for checking out my referral post! As you can probably tell, I spend a lot of time searching the web for referral offers. If you would like, feel free to sign up for my mailing list and I will send new referrals that I come across directly to your inbox.
https://mailchi.mp/c52908afbf15/moneywhisperers-latest-finance-tips-latest-finds
I've also put together a small blog with finance tips and tricks I've learned over the years. If you're potentially interested, here's a link to it.
https://www.youngmoneywhisperer.com/home