After the TSP, I invest my money in Betterment and Vanguard. I track all of my investments with Personal Capital. I also wrote a short, 2 hour book summarizing this site. You can buy it here.

Free USAA Credit ScoresIf you have a USAA credit card (like the USAA Cash Rewards® American Express®, no annual fee and up to 2.25% cash back on gas and groceries), you can now access free Vantagescore credit scores through the website.

The feature also offers factors that may be helping or hurting your credit score. It’s the basics like on-time payments, having multiple accounts, age of your accounts, etc. A higher credit score can get you access to low interest rate loans and the best credit cards.

I’ve found a few other ways to get your free credit score, none of which require a credit card number. I especially like Credit Sesame, for it’s ease of use and month-to-month graphs of how your score changes.

Don’t ever take on loans just to increase your credit score or delay paying off a loan early just to keep a high credit score. Whatever advantages come with a high credit score are not worth paying extra or more interest than you have to. I’d be excited if my score dropped 50 points because I paid my auto loan and mortgage off early.

2 Websites I Use to Achieve Financial Independence Faster

I have investment accounts all over the place. To keep track of all of them in one place I use Personal Capital. It combines all of my accounts, shows me where I may be overpaying in fees, and provides beautiful charts showing my overall asset allocation and performance.

I use Personal Capital to track my Roth and Traditional TSP, Vanguard IRAs, banking accounts, SDP, and my Betterment taxable account, all in one place. It's free, secure and presents me with a one-stop dashboard so I can see all my money on one site.

Read my full review of Personal Capital and see how easy it can be to manage your investments in one place. Trust me, once you try it, you'll love it.

P.S. - If you have over $100,000 of assets and a 401k, you really need to run the Personal Capital 401k Fee Analyzer.

The best way I know to achieve financial independence is to keep your investments simple, diversified, automatic, and low-cost. Costs eat into your returns like you wouldn't believe! A 1% difference in expense ratios can mean $100,000s lost to fees over a lifetime of investing.

Even if you're a DIY (do-it-yourself) investor like I am, you need to check out Betterment. You can read my full review here, but the bottom line is for only $250 per $100,000 invested (0.25% expense ratio) you get simple, diversified, and automated investing. In addition every account now gets free Tax Loss Harvesting+ features, which should increase returns for the average investor more than the minuscule management fee.

If you're not a DIY investor or are just getting started with investing, then you definitely need to check out Betterment. It's what I recommend to my family and friends who aren't strong investors or don't care to learn about asset allocations, diversification, or rebalancing.

Free Credit Scores from USAA

What are your thoughts?