🌶 LaPiKay
Personal Finance

Build your financial edge.

The tools and guides behind the Wealth Edge videos on Options Edge Lab — organized so you can jump straight to what you need.

Some links on this page are affiliate links. If you sign up or make a purchase through one, LaPiKay may earn a commission at no extra cost to you. We only recommend tools we'd actually use.
Shelf One

Budgeting & Credit

Monarch Money

Best budgeting app for families, 2026

The budgeting app referenced in "Money 101" — a shared household dashboard with joint budgets, individual logins, and net worth tracking in one place.

Try Monarch Money →

Credit Karma

Free, forever — no cost to you

Track your credit score and get alerts on changes — the tool mentioned in "How Credit Scores Actually Work." Free daily monitoring, no credit card required.

Check out Credit Karma →

Building Credit From Zero — Guide

Free guide

A step-by-step written companion to the YouTube video, for anyone starting with no credit history at all.

Read the guide →

Shelf Two

Retirement Accounts

Roth IRA vs. Traditional IRA — Comparison Guide

Free, via NerdWallet

A clear side-by-side breakdown of the tax mechanics to help you decide which account fits your situation.

Compare accounts →

Fidelity

Best Roth IRA provider, 2026

Where to actually open the account once you've decided — $0 account fees, no minimum, and their own zero-expense-ratio index funds.

Open a Fidelity Roth IRA →

401k Employer Match — How It Works

Free, via Investopedia

The exact mechanics of employer matching, so you're not leaving free money on the table.

Read the guide →

Shelf Three

Paying for College & Scholarships

BigFuture by College Board

Free, no cost ever

Matches students to over 23,000 scholarships using filters for background and academic interests — no affiliate program exists for scholarship matching, so this is a straight recommendation.

Start searching →

FAFSA — Official Application

Free, U.S. Dept. of Education

The only real FAFSA is at studentaid.gov — if a site asks you to pay to file it, it's not the real one.

Go to StudentAid.gov →

Student Essentials

Curated picks, via Amazon

Laptops, planners, and gear that actually hold up through a semester — picked, not sponsored.

See picks →