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Why Talk to Smarts?

Like having a financially savvy friend who's done the research for you.

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Instant Answers

No scrolling through 3,000-word articles. Ask a question, get a clear answer in seconds with the specific recommendation that fits your situation.

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Personalized to You

Tell Smarts your goals, income, or experience level and get recommendations tailored to your situation — not generic advice that applies to everyone.

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Tested, Not Guessed

Every platform, app, and offer Smarts recommends has been personally reviewed and tested by the FinanceWrite team. No random suggestions.

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Bank Bonus Finder

Looking for the best bank signup bonuses? Smarts knows the current offers, requirements, and which ones are actually worth your time.

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Side Hustle Matchmaker

Not sure which side hustle fits your schedule and skills? Describe your situation and Smarts will recommend realistic options — not pipe dreams.

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See What Smarts Can Do

Real questions. Real answers. Real recommendations.

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"I have $500 sitting in my checking account doing nothing. What should I do?"

Great question! First, I'd grab a high-yield savings account — you can earn 4-5% APY right now. Then consider putting $100 into Fundrise to start building passive real estate income. That leaves you $400 as a solid emergency cushion.

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"What's the easiest way to make an extra $200 this month?"

The fastest path: stack bank bonuses and money-making apps. Right now you can get $200+ from a single Chase bonus. Combine that with cashback from Ibotta and Rakuten on stuff you already buy. Want me to walk you through the best current offers?

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"I want to invest in real estate but I only have $50."

$50 is enough to start! Fundrise lets you invest with just $10 — you'd own a piece of a diversified real estate portfolio. Or try Ark7 at $20/share for fractional ownership of actual rental properties with monthly dividends.

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"Which apps actually pay you to walk?"

I've tested them all. The ones that actually pay: Evidation (formerly Achievement) pays for steps, Sweatcoin converts steps into rewards, and Charity Miles donates per mile. They won't make you rich, but it's free money for walking. Want the full list of cash-back fitness apps?

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Disclosure: Smarts may recommend products and services from our advertising partners. When you sign up through these recommendations, FinanceWrite may earn a commission at no extra cost to you. All recommendations are based on products we've personally tested and evaluated. Full disclosure →