The Gen Z Age Range is roughly 12 to 27 years old today in 2024.

Generational cohorts and their differences can be a great lens to understand everything from finances to workplace culture. And that's no different with Gen Z. 

There are stereotypes and beliefs that may fuel misunderstandings amongst those who are labeled Baby Boomers, Generation X, Millennials, and Generation Z.

If you're here looking for the quick answer on what is the Gen Z age range, here you go: 12 to 27 years old.

However, the lower end of this generation is subject to change (it took years before the millennial age range was "finalized"). People are already calling the next generation Gen Alpha. This is based off data from the Pew Research Center.

Let's dive in to what this means and why you should care.

Why Is There A Need To Understand Generational Differences?

You might be curious about where you fall within your specific generation—do you agree with work and financial sentiments? Are you ahead or behind the curve? It makes sense to understand how your specific cohort lives—what kind of income do they earn and how much do they owe in student loans?

From a business perspective, knowing specific generational behaviors and how social media or technology is being used, for example, could be highly relevant for a product or service. Also, companies that are in dire need for qualified employees might want to understand aspirations and concerns faced by a specific generation. 

Take a look, as we dig into each generation and gain a better idea of whether the numbers substantiate the stereotypes.

Generational Quick Facts

Here are typical incomes and debt faced by the average Millennial and Gen Z.

As of now, Millennials are among the highest wage earners in the United States, and they are the most educated. Gen Z is just launching into the workforce, but so far has lower student debt loads than Millennials.

Of course, these numbers could change. In particular, we may see more members of Gen Z returning to school and taking on debt to complete their formal education. Graduate debt continues to increase each year, so Gen Z may see student loan balances increase if they return to school in large numbers.

Millennial And Gen Z Similarities

Millennials and Gen Z share two important characteristics that may shape workplaces and the economy as a whole.

Off To An Economic Slow Start

A large proportion of Millennials saw their professional growth stymied by:

• The dot com bubble bursting (2000-2002)
• The housing collapse (2006-2007) 
• A relatively slow economic recovery

Hampered by student loans and a sluggish economy, Millennials delayed major milestones (marriage, first child, buying a house) compared to previous generations. 

Gen Z may face similar sluggish conditions as they enter the workforce. Following a decade of economic growth, Gen Z’s first college graduates entered the workforce just months before the world shut down because of Covid-19. 

The current recessionary conditions may also hamper growth for Gen Z as they enter the workforce. 

Earning extra income outside of the day job may prove to be a necessity for many members of Gen Z.

Digital Natives

Millennials came of age during the first internet explosion and were some of the earliest adopters of social media platforms. Gen Z grew up with internet technology around them, including streaming platforms and other forms of on-demand entertainment. 

Digital-first forms of communication (IM, Zoom, Text, etc.) have already infiltrated American workplaces. Gen Z is sure to influence future communication patterns—though they may revolt against the always-on culture and help regulate the constant flow of information.

Appetite For Activism

Seventy percent of the Gen Zers want the government to do more to solve societal problems. Additionally, 64% of Millennials want the same thing. Despite their age, Gen Zers have been lauded for their activism on human rights, climate change and a general desire to lean into activism. 

Millennial And Gen Z Differences

While Millennials and Gen Z share some similarities, the two cohorts may differ on some important points.

Attitudes Towards Education

At this point, Millennials have the most formal education of any generation. As of 2020, 39% had college degrees. By contrast, Gen Z may be more wary of the costs and benefits associated with a four-year degree. 

The pandemic shutdowns dramatically reduced college enrollment among Gen Z with nearly a million fewer students enrolling in post-secondary education between 2019 and 2021. 

It remains to be determined whether Gen Z will continue this trend or reverse it as Covid-based restrictions continue to loosen. If Gen Z reverses the trend towards increasing formal education, the generation may avoid the burdensome debt that plagues so many Millennials.

Millennials May Receive Large Inheritances

Between 2021-2045, Millennials are likely to be the largest recipients of the “Great Wealth Transfer.” 

Boomers currently have more than $70 trillion in assets that will likely be bequeathed to their Millennial children. However, this wealth is largely concentrated among the ultra-wealthy and may not have broad implications for the typical Millennials.

Workforce Composition 

Millennials are currently the largest contributors to the U.S. Workplace (around 35% of the total as of 2018), and will remain the largest share of workers for the next few decades. Workplace culture is likely to lean more toward Millennial preferences until Gen Z joins the workforce in larger numbers.

Gen Z Financial Stereotypes: Are They True?

This cohort, with only a small portion currently reaching full adulthood, entered into these years as we grappled with a global pandemic. So far, the generation hasn’t had a lot of time to develop positive or negative stereotypes. 

But these are a few that may shape our future economy.

Gen Z Doesn’t See Value In A College Education 

Before Covid-19, Gen Z was on track to be the best-educated generation in history. More than 57% of college-eligible individuals were in school in 2018 (compared to 52% of Millennials at comparable ages). But nationwide, college enrollment took a major hit when Covid-19 led to nationwide restrictions. 

Between 2019 and 2021, college enrollment dropped by nearly 7%, with more than 1 million students dropping out. Despite the lower enrollment, it remains to be seen whether this is a blip, or if future members of Gen Z forgo the four-year education.

Gen Z Will Never Come Into The Office 

Working from home was an often-sought perk of previous generations, but because of Covid-19 changing how we work, some Gen Zers are likely working in a hybrid or fully remote situation. 

So will Gen Z ever come into the office? They may expect workplace flexibility, but those in the high school age range don’t see it as a very important factor right now. In a survey, only 23% rated the ability to work remotely as a very important part of a future job. Perhaps a follow-up survey—after they enter the workforce, will change these numbers drastically!

Gen Z Has A Short Attention Span 

Gen Z grew up with WiFi-enabled cell phones and social media. They are the first generation to have experienced the “Always On” phenomenon associated with constant online connectedness from childhood.

Various forms of clinical research have concluded that for certain activities, Gen Z has an 8-second attention span. Millennials have a 12-second span. 

The upside is that Gen Z may have also developed more skills for filtering out unnecessary information. How it all plays out—whether it’s helpful or a hindrance in the workplace remains to be seen.

Final Word

As Gen Z enters adulthood, their actions and choices will continue to be influenced by economic forces outside of their control. Whether the cohort eschews formal education and the accompanying student debt remains to be seen. 

Despite the hoopla and stereotypes of Millennials and Gen Z, the two groups share some similar characteristics that are likely to shape the economy as a whole.

Sometimes all we need is a little inspiration to get motivated when it comes to anything - especially our money. If you want to start building real wealth, it takes a mindset shift. And the best way to learn the proper money mindset to have is to look at others who've excelled at making, earning, investing, and saving their money.

Here are some of my favorite money mindset quotes. They each mean something to me, and I hope that you find inspiration in them as well.

#1. The Importance Of Starting

"The best time to plant a tree was 20 years ago. The second best time to plant a tree is today." - Chinese Proverb

This quote is awesome because it highlights one of the biggest mindset issues we all face: that I should have done something different in the past and it would make everything better today. Well, you can't change the past. All you can do is change the future. And to do that, you need to start right now.

This quote is what always leads me to remember the importance of front-loading my financial life. Why I should be doing something today and not putting it off. Keep it in mind the next time you regret something.

#2. Know Your Value

"You don't get paid by the hour. You get paid by the value you bring to the hour." - Jim Rohn

Working both for an employer and for myself has really made me focus on what value I bring and what I should be paid. There is no truer statement than this - you can always just show up and get a paycheck. But your paycheck won't grow, and you run the risk of losing that paycheck in the future.

Or, you could focus on adding value, bringing your thoughts and skills to the table, and being the best at what you do. It doesn't matter if you're flipping burgers at McDonalds or running a company - it's all about the value you bring.

#3. Go Out And Earn It

"Never stand begging for that which you have the power to earn." - Cervantes

I can't stand entitlement, and neither should you. Everyone has the power to go out and earn income. You can go get a job, you can go out and side hustle to make more money on the side. I'm a firm believer that everyone has the potential to earn at least an extra $100 per month.

However, too many people are out there begging for handouts, begging for money, begging for student loan forgiveness programs. Rather than beg, change your money mindset and start earning!

#4. The Real Mindset When Investing

"Buy on the assumption the market will close the next day and not reopen for ten years." - Warren Buffett

Too many people are scared to invest because they are afraid of losing money in the stock market. But the statistical truth is that it's very unlikely that you can lose all your money investing. Even more so, when you go into investing with this mindset like Warren Buffett, you understand that you're in it for the long run.

So, when you start investing, create a money mindset for yourself that emphasizes the long term potential of your investment, and focus on that.

Related: See Warren Buffett's best investing tips here.

#5. The Truth About What You Own

"Know what you own, and why you own it." - Peter Lynch

Peter Lynch said this about investing, but it's true in every area of your financial life. When it comes to what you have - the stuff in your house, your car, your investment - you should know exactly what you own and be able to explain to someone else why you own it.

For example, I own this computer I'm typing on because I run an online business. I purchased this specific one because I wanted the USB connections for all the random things I plug into it. On the flip side, I had an old Canon digital camera just sitting in the cabinet. I hadn't used it in years, and it was collecting dust. I couldn't tell you why I still owned it, so I listed it on eBay.

Always keep this mindset when making any purchases in your life.

#6. The Unexpected Will Always Happen

"Expect the best, prepare for the worst. Capitalize on what comes." - Zig Zigler

When it comes to money, the unexpected will always happen. That's okay. The goal is to simply prepare for unexpected financial emergencies, and hopefully make the best of it.

One of my favorite stories is the story about how Pat Flynn got his start in online business. He was already starting a side hustle and his main site, Smart Passive Income, when he got laid off from his job. He admits that he didn't want to leave his job, and he tried to work at other companies as well.

However, in the end, he capitalized on his misfortune and launched his business. Six years later he's making six-figures per month. Unexpected, yes. But he was prepared and he made it work.

#7. There Are No Shortcuts

"Opportunity is missed by most people because it is dressed in overalls and looks like work." - Thomas Edison

There are a lot of variations of this quote that you've probably heard: luck favors the prepared, fortune favors the prepared mind, etc. I've even seen a lot of memes on Facebook and Instagram lately simply saying "Do The Work". Why are so many people focused on this theme?

Because there are no shortcuts. There are no overnight successes. Most overnight success stories come from people who've worked for years and prepared for the opportunity to arise.

#8. You Control Your Money

"Money is a tool. It will take you where you wish, but it will not replace you as the driver." - Ayn Rand

This is a great reminder that money isn't the end all. It's only a tool, a tool that can buy you stuff. Multiple studies have been done showing that you only need a certain level of income (which is $75,000 per year) to feel happy. Beyond that, the extra money doesn't do much for you.

But what money does give you is the ability to buy time. You can buy time by paying people to do work for you so you don't have to. You can buy time in the form of experiences like travel. But all of this doesn't matter if you don't decide and drive your money towards your money goals.

#9. Focus On What You Value

"Don’t tell me what you value, show me your budget, and I’ll tell you what you value." - Joe Biden

This quote is attributed to Joe Biden, but I know variations of it have been said for years. He was talking about the federal budget, but the quote works fantastic for personal budgets too.

I love it because this money mindset quote really gets a lot of people thinking about what they truly value. In fact, our good friend Paula Pant recently chimed in on this same debate with a variation of her own: You can afford anything, you just can't afford everything. 

So, if you want to save for retirement, do it. But don't tell me you can't do it because you go out to eat every night. If you want to travel more, do it. But don't tell me you can't do it because you buy every premium channel and spend $200 per month on cable.

You can focus on what you value, and what you value reflects in where you spend your money. Going back to the quote above, you're the driver and you decide where you spend your money.

#10. A Final Reminder About Your Money Mindset

"Too many people spend money, to buy things they don’t want, to impress people they don’t like." - Will Rogers

Finally, I think this is a great reminder about setting the best money mindset. Why are you spending money? What are you buying? Are you trying to "keep up with the Joneses?"

Don't be one of these people that Will Rogers is talking about. Be better than that. Set a smart money mindset.

Which money mindset quote inspires you?

Who Is Quicken?

Quicken is a personal finance software company. It used to be part of Intuit. Quicken was spun off from Intuit in 2016 and was purchased by H.I.G. Capital. The CEO of Quicken is Eric Dunn. He joined Intuit as employee #4 when Quicken was still under the Intuit umbrella.

We recently named Quicken on of the Best Budgeting Apps because of their robust tracking and both desktop and mobile syncing.

What Do They Offer?

Quicken offers a personal finance software product by the same name. It is available for Windows and Mac. In this article, we’ll focus on the Mac version.

Anyone who has used Quicken for Windows and then tried Quicken for Mac probably came away from the experience disappointed. Spoiler alert — that experience hasn’t really changed much in the latest Quicken for Mac.

Quicken for Mac still trails Quicken for Windows in ease of use, interface (i.e., navigation), intuitiveness, versatility, and features. Quicken for Mac also falls a bit short when it comes to investment tools, especially in regard to its lack of automatic cost-basis calculations.

Another area that people have complaints about is the interface. For example, the home screen makes it a bit difficult to find things. There aren't any widgets or ways to customize the home screen. Additionally, if you are coming from Quicken for Windows, there isn't a one-to-one transition where everything's the same in Quicken for Mac. Some things will be familiar, while others will not and require some searching around to find.

The Quicken Home & Business subscription allows you to run your personal and business transactions within the same software. However, Quicken H&B is not as nearly business feature-rich as Quickbooks.

Quicken for Mac is still missing the H&B option. You can only get it in Quicken for Windows.

• Over 500 customer-requested improvements and fixes plus significantly improved reliability
• The most powerful connectivity to banks and brokerages of any personal finance software; more than 14,500 financial institutions and 11,000 online billers

Specifically for Mac users, the following features have been added:

• Up to twice as fast on start-up
• Charts and graphs also load twice as fast
• Backup is four times faster than prior versions
• Access to 11,000+ online billers, bill PDF downloads*
• New enhanced Portfolio View
• Refreshed overall look & feel of Bills & Income
• 5 GB of secure online backup for your Quicken files with Dropbox
• Free Quicken Bill Pay and priority access to Quicken phone support (Premier and above)
• Manage your money anywhere with Quicken on the Web

Quicken added new options to the Portfolio page for its Mac version as well as an all-new Investing Dashboard.

By selecting their account type (Investing, Brokerage, Retirement, or Education), Mac users can now view snapshots of their holdings across multiple accounts. Snapshots that have been added include:

• Holdings Type
• Allocation by Security Type
• Allocation by Asset Class

With these new insights, it will be easier for investors to analyze their asset allocation and make changes when their current mix of asset doesn't match well with their risk profile.

Quicken On The Web

Quicken on the Web is a recent development for Quicken. While most other financial apps are completely web-based, Quicken on the Web is only a companion. This means it is a scaled down version of Quicken. If Quicken can continue developing Quicken on the Web into a full-blown financial app, it will eliminate the inferior Mac user experience.

With Quicken on the Web, you can do all of the following:

• View balances, budgets, accounts, and transactions
• See spending trends by category, payee, and more
• Monitor investment performance with up-to-the-minute portfolio value
• Search and see details of past expenses
• Keep your finances continually up to date: your accounts sync across desktop, web, and mobile
• Enjoy a fresh, streamlined Quicken experience

Quicken moved to a subscription-based pricing model in 2017. Unlike many other subscription services, Quicken's software is not purely cloud-based. It is desktop, mobile, and cloud-lite. Desktop software still needs to be installed to use all of Quicken's features.

While some may balk at no longer having one-time charge licensed software, the subscription model does make better sense in the end. It means more cash flow for Quicken. And hopefully, with more cash, incremental improvement will keep coming, making the software better each year.

As of January 2023, here are current prices:

How Does Quicken Compare?

Quicken has long been a leader in the personal finance software space. It has a plethora of features and is available on multiple platforms, including Mac.

Still, it might not be the best fit for everyone. Specifically if you're a crypto investor, you'll be disappointed to find that you still can't track cryptocurrency assets on Quicken. 

Even if Quicken does everything you need it to, there are plenty of Quicken alternatives that might be able to meet your needs just as well at a lower price. Check out this table to see how Quicken compares:

How Do I Buy It?

You can visit the Quicken website to purchase and download Quicken.

Is My Money Safe?

Yes - like many other financial apps, Quicken uses encryption and secure connections to financial institutions.

Is It Worth It?

Quicken For Mac Features

There is a common thread amongst those who have taken radical steps to change their financial situation for the better: they read a book that changed their lives.

And so perhaps you have landed here because you are ready to shift your financial life onto the positive end of things. You are in the right place.

In this post, I share 10 of the best personal finance books that will change your life right now and beyond. While some of these are newer releases, most of these books were written years ago, but they contain timeless lessons.

Either way, you cannot lose by reading any of the books on this list.

1. I Will Teach You To Be Rich

I Will Teach You To Be Rich was released a decade ago by Ramit Sethi, but has just been re-released and updated in 2019 - with new conversations about robo-investing, FIRE, and more! Plus, you might recognize Ramit from his Netflix show (which launched since his book was re-released).

This game-changing personal finance book. It is based around systems and tools that can help you conquer your financial goals - in ways that many wouldn't expect.

Ramit presents ideas in a different way than many financial experts - and focuses on big wins that will actually make a difference in your total financial life, versus trying to starve your way to financial freedom. 

I also really appreciate how Ramit calls out companies that are terrible, and shares exactly what he uses to run his finances.

Read our full I Will Teach You To Be Rich Book Review here.

Check out I Will Teach You To Be Rich here >>

2. The Wealthy Gardener

The Wealthy Gardener was released in 2018 and was written by John Soforic — a business owner. He achieved financial freedom at age 50 and wrote this book to his college-aged son on what it means to become prosperous.

The book is written in more of a “parable” style because of the intent of the author — to give advice to his son on what it takes to succeed financially.

If you like to read books in this format, this will be a good one for you. 

Plus, any chance we see to help millennials and other adults warms our heart.

Check out The Wealthy Gardener here >>

3. The Total Money Makeover

The Total Money Makeover is a classic personal finance book written by Dave Ramsey.

If you need a practical step-by-step guide to paying off debt and building wealth, this book is a must-read.

Over the years, Dave has received some criticisms for his ideas beyond tackling debt (including investing and insurance), but when it comes to getting out of debt, there is really no better mindset and resource than The Total Money Makeover.

Beyond the book, Dave has a huge number of followers that motivate and inspire each other online - including instagram and Facebook.

Check out The Total Money Makeover here >>

4. The Millionaire Next Door

The Millionaire Next Door is one of the older books on this list but the lessons in that book are timeless.

In The Millionaire Next Door, doctors Thomas Stanley and William Danko interviewed real millionaires to get their insights on what it took for them to get to that status.

A lot of the lessons in that book are groundbreaking and ridiculously simple when you read it for the first time. And to be honest, most of the world’s best-kept secrets are very simple.

We love this book and it even inspired us to write about the secrets your millionaire neighbor isn't telling you.

Check out The Millionaire Next Door here >>

5. Psychology Of Money

The Psychology of Money provides new insight into how and why consumers interact with money. Morgan Housel shares a series of short stories that allow you to consider the world's interactions with money more closely.

Throughout the book, you’ll approach the concept and consequences of money in terms of behavior. Instead of focusing on math-based logic, Housel dives into the gray area of how people make financial decisions in the real world. He looks beyond the spreadsheet and encourages you to do the same. 

Read our full Psychology of Money review here.

Check out The Psychology of Money here >>

6. Why Didn’t They Teach Me This in School?

This book has been recommended by eBay, Forbes, and Lifehacker as one of the top graduation gifts for college graduates. And for good reason. Most of us never learned about how to manage our money while we were in school.

Why Didn’t They Teach Me This in School by Cary Siegel attempts to reverse that with 99 useful money lessons that will set you up for life.

As someone who helps people with money consistently, I can't understand why we teach the subjects we do in high school but mostly ignore the basics of money management. This book seeks to change this. 

While you may not agree with all 99 ideas and lessons, a large portion of this book is solid advice that should be a read for anyone looking to improve their finances.

Check out Why Didn't They Teach Me This In School here >>

7. The Simple Path To Wealth

The Simple Path To Wealth by JL Collins was written as a guide to teach you how to easily start investing for your future.

Collins basically breaks down exactly how you need to think about building wealth, from cutting expenses to investing in low cost index funds.

What's great about this book is that it's a pretty short and easy read, and it's a great gift idea for recent graduates!

Check out The Simple Path To Wealth here >>

8. Financial Freedom

Grant Sabatier, the author of this book, has an incredible story.

At the age of 24, Grant was broke and he tells the story of how he had $2.26 in his bank account.

By age 30, Grant had become financially independent and now writes the blog, Millennial Money.

Grant’s book is an inspiring story of what you can do once you make up your mind to take the steps that are necessary to get you out of a difficult financial hole.

This book is essential reading for anyone on the path to FIRE - Financial Independence and Retiring Early. While the math of FIRE is straightforward, the psychological components of it are not. This book tries to help you understand both the money and the mind of financial freedom.

Check out Financial Freedom here >>

9. Rich Dad Poor Dad

Rich Dad Poor Dad is another older yet classic book on the list.

In this book, Robert Kiyosaki shares lessons he learned from a wealthy man he encountered while growing up.

He compares and contrasts that with the money lessons he learned from his biological father (Poor Dad).

This book mainly deals with the mindset it takes to have control over your financial life and become wealthy.

Robert Kiyosaki is another controversial financial figure - with some of his current project garnering controversy, and even some questions about how true this book is. 

But, readers should really just focus on the financial tenets of this book - there's solid advice here, and readers can get huge value from it.

Check out Rich Dad, Poor Dad here >>

10. The Personal MBA

Last, but not least on this list, is The Personal MBA.

Apart from paying off your debts and making smart investments, one of the best ways to build wealth is to start your own business.

Starting your own business comes with the potential to make unlimited income. And with that income you reach financial freedom.

In the past, starting a business meant you needed to have gone to business school. The requirement is not entirely necessary anymore.

The Personal MBA will teach you business principles and lessons that don’t require that you pay for an expensive business degree.

Check out The Personal MBA here >>

Wrapping Up

Even though there are schools around the U.S. that now teach personal finance lessons, the education is not enough. Educating yourself is your best bet if you want to achieve financial freedom.

In this post, we shared the 10 best personal finance books that could change your life this year. Which ones have you read? Let us know in the comments below.

Creating and sticking to a budget is a can’t-go-wrong move for anyone. There are many apps available to help you create a budget. But one app is taking a different angle on budgeting. It’s called Prism and its only focus is on paying bills.

Yes - your bank lets you pay bills. So how is Prism different? It provides different functionality from the bill payment feature in your bank account.

In this article, we’ll show how Prism is different and why it might be worth trying out.

Who Is Prism?

Prism is a bill pay app owned by BillGO. It's legal name is Mobilligy, Inc. It was founded in 2011 in Bellevue, WA. by Steve Gordon and Tyler Griffin. 

Prism has been acquired twice. In May 2016, PayNearMe (a wholly-owned subsidiary of Handle Financial Inc.) acquired Prism. Then, in October 2018, it was acquired by BillGO. The CEO of BillGO is Dan Holt.

What Do They Offer?

Prism is a fintech and a free mobile app that is focused on bill payments. Since most banks already offer bill pay, what is the advantage of using Prism? Bill pay features that are integrated with banks are usually limited to just sending out payments. It takes bill pay to another level and is meant to help people budget their income against bills.

Prism makes it easy to organize and stay on top of their bills, which could help you avoid late fees and improve your credit. Unlike most banking bill pay services, with Prism there is calendar that shows when all of your bills are due. Unfortunately, it doesn’t have an Auto Pay feature, so each payment must be initiated manually.

Getting Started With Prism

To get started, you’ll first need to connect all of your billers to Prism. If you have used financial desktop or web apps, you’ll be familiar with this process.

Prism uses the same bank-grade encryption and token-based scheme to authenticate biller accounts. There are over 11,000 billers available that can connect directly to it. Available biller types include:

• Phone services
• Credit unions
• Electric utilities
• Cable companies
• Mortgage lenders
• Insurance providers
• Student loan lenders
• Water and waste utilities
• Various subscriptions types

If a biller isn’t listed, it can be manually added.

Once your added billers have been synced with Prism, balances, amounts due, and due dates will all display. You can use the calendar to see the next upcoming bills. Prism will also send notifications about due bills. Accounts automatically sync every morning but you can manually sync bills at any time.

Paying Bills

As mentioned earlier, Prism doesn’t have a recurring payment feature. For some people, this might be a negative. But it also means that you remain in full control of every payment. If the money is available to pay a bill, you can pay it immediately or schedule the payment.

Payments can be made from your bank account, debit, prepaid, or credit card. After sending a payment, you’ll have 10 minutes to cancel it. Once the 10 minutes have elapsed and the payment has been paid, it's no longer cancellable.

Customer Support

With any free app, something has to give. And Prism is no exception. You won't find any phone support with Prism. While they do have 24/7 support, it's only available through the Prism app or by email at info@prismmoney.com.

Are There Any Fees?

Prism is free to use. In fact, with Prism Payment Promise, you'll be reimbursed for any late fees (up to $1,000) that you incur if your payment doesn't arrive by the day that Prism indicates.

The only fee you might incur is a returned item fee of $15. This can happen if a payment is attempted but the funding source doesn't have enough money to cover it.

Wondering how Prism makes money? For now, it’s through receiving small fees from billers and sometimes charging a convenience fee for debit or credit card payments. But Prism also says that it hasn't ruled out charging a subscription fee in the future.

How Do I Open An Account?

You can visit https://www.prismmoney.com to download the app and create an account.

Is My Money Safe?

Yes - Prism uses bank-grade encryption and offers pin, biometric, and two-factor authenticity schemes in its app.

Is It Worth It?

The main idea behind Prism is that you can balance income against expenses and create a workable budget. If you want to see when every bill is due on a calendar and don't mind paying each bill manually, you'll probably like Prism. And since it's free to use, there's no risk in giving it a try!

If setting up recurring payments is a priority, however, you'll want to look for a different bill pay system. Your bank's bill pay may be the easiest solution. Or if you need advanced expense tracking and reporting, you may want to consider a paid software option like Quicken or Moneydance.

Prism App Features