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The people who seem to get more done than everyone else? They're not working longer hours or running on more caffeine. They've just stopped wasting time on the stuff that doesn't move work forward. Switching apps, re-explaining context, hunting for files. Those aren't small inefficiencies. They're hours wasted every week. Superhuman Go gives you those hours back. From the makers of Grammarly, Go is an AI chat that sits inside every tab and tool you already use. Always available and ready to help you with what you're working on. Ask it to draft something. Summarize a long thread. Pull up a file or prep you for a meeting. Go handles it without you ever leaving the page you're on. This is what it looks like when AI actually fits into your work instead of adding to it. It's like having a teammate whose only job is to help you be better at yours. Go keeps up so you can move forward. With Go working with you, you can show off what you do best. See what Superhuman Go can do at superhuman.com. That's superhuman.com.

Growing up, money wasn't really talked about at home. So I learned most of my financial habits by trial and error, and honestly, a lot of error. These days, my financial picture is the clearest it's ever been. And a big part of that is Monarch. It tracks everything, accounts, investments, savings goals, spending all in one place. What I love is it's not just showing you what you already spent. It helps you set goals and map out big purchases so you actually know if you're on track before it's too late to fix it. I really like the AI feature that gives you feedback on your spending across categories and timeframes and allows you to see your spending patterns. It really helps me know what areas of my spending I need to adjust. I've used the Monarch app for years and I highly recommend it. Write your own money story with Monarch, use code FRUGAL at Monarch.com to get your first year of Monarch Core half off at just $50. That's 50% off your first year at Monarch.com with code FRUGAL.

If you're not using Rakuten yet, you are leaving money on the table every single time you shop. Rakuten lets you earn cash back and rewards on almost everything. Fashion, beauty, travel, dining, you name it, at all your favorite brands like Sephora, Ulta, Target, and Expedia. And the cashback stacks on top of other deals like sales and coupons, which is such a smart way to save. Think about everything you're already buying, back to school clothes, a trip, even pet stuff from Chewy or Petco, and getting rewarded for it. When it's time to redeem your cashback, you can choose to receive a check, money through PayPal, built points, gift cards, or eligible Amex card members can earn membership rewards points instead. Terms and conditions apply. It's completely free to join, just an email to sign up. Join free at frugalfriendspodcast.com slash Rakuten or download the Rakuten app to start earning cash back today. That's frugalfriendspodcast.com slash R-A-K-U-T-E-N.

Yeah. And you also want to make sure that your emergency fund is in a high yield savings account. So inflation is 3% usually year over year, which means your emergency fund loses 3% of its spending power. However, if it's in a high yield savings account, you're typically going to be getting around 3% annually on that money. So a high yield savings account makes sure your emergency fund buying power keeps up with inflation. So we really like the one at CIT, you can go to frugalfriendspodcast.com slash CIT. For emergency funds, we particularly like their Platinum account, which is frugalfriendspodcast.com slash Platinum, because that gives a little bit higher APY for balances over $5,000.

Owning a home is amazing until it's not. One minute you're sipping coffee, the next you're ankle deep in water from a burst pipe. And regular homeowner's insurance usually doesn't cover that stuff. Plumbing failures, HVAC breakdowns, electrical issues, you're often on your own. That's where HomeServe comes in. It's like a subscription for your home starting at $4.99 a month. Something breaks, you call their 24-7 hotline, and local experienced technicians handle it. No panicking, no scrambling for a contractor. We had a scare with our water heater once, and if I needed it, HomeServe is actually what I wish I'd used. Over 20 years in business, nearly 4.5 million customers, an A-plus Better Bureau business rating, real peace of mind for one of your biggest investments. Join the millions of customers who trust HomeServe for 50% less your first year. Go to homeserve.com slash frugal. That's homeserve.com slash frugal for 50% less.

If you wear glasses, you know how this goes. You don't replace them until you absolutely have to because a new pair can run a couple hundred dollars. So a scratch becomes livable, a loose screw becomes manageable, and you just keep going. That was me holding onto the same pair way too long until I found Zenni. It's an online eyewear shop with stylish prescription glasses and customizable lens options. Frames starting at under $30. You pick a frame on zenni.com, enter your prescription, and they ship right to your door. I got a pair of square frame tortoise shell glasses through Zenni and wore them to the CFP exam and passed. We're not saying it's because of the glasses, but we're not saying it wasn't. And with over 150,000 five-star reviews and a virtual try-on tool, you can actually see how a frame looks before you order. That scratched-up pear has done its job. Upgrade today with Zenni. Go to zenni.com slash podcast and use code PODCAST15 for 15% off your first order, plus free shipping on all U.S. orders over $65. The styles sell out, so don't sit on it. That's Z-E-N-N-I dot com slash podcast, promo code PODCAST15.

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