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For those aspiring to affluence, securing a job with a high salary would seem to be a big step in the right direction. However, recent reports reveal that high income alone does not guarantee a high net worth and that a growing number of high earners report that they don’t see themselves as rich. Media reports refer to them as HENRYs, which stands for “High Earners, Not Rich Yet.”

Investing is key to protecting and growing wealth, which is why every financial advisor swears by it. So, no matter what income tier you fall in, you need to be investing as aggressively as you can and as early as possible.

It’s important to be on top of your finances if you want to build wealth, but finding effective, yet affordable tools for managing your finances can be time-consuming. To help, six financial experts shared their go-to financial apps and tools, all of which are either free or low-cost and perfect for anyone looking to improve their financial health. 

Like many others in the business world, Aaron Cirksena was forced to pivot when the COVID-19 pandemic hit. As a financial advisor who spends a significant amount of time mapping out investment strategies during face-to-face meetings with clients, the shelter-in-place orders triggered by the pandemic forced him to shift those meetings to a virtual format.