Author name: Hourly Investor

An honest review of Chime for hourly workers. No fees and early direct deposit are the highlights – but it is not for everyone.

You do not need a lot of money to start investing. These apps let you begin with $1 and no minimum balance requirements.

The best credit cards for building credit from zero. Secured card options with no annual fees and a clear path to an unsecured card.

An honest review of SoFi for hourly workers. What it does well, where it falls short, and whether it is worth using for banking and investing.

How much do you need to retire on a working income? The 25x rule explained in plain English with real numbers for hourly workers.

Should you invest or pay off debt first? The answer depends on the interest rate. Here is a clear framework for hourly workers.

Dollar cost averaging explained in plain English. What it means, how it works for shift workers, and why it is the right approach for most people.