Adulting Resources, Discounts, & Links Vetted by Chelsea
Every resource on this page is something I personally use and have thoroughly researched. If it's here, I trust it — and I'll always tell you who it's not for.
CrowdHealth
The health coverage alternative I've used for 2+ years for my family of 3.
Join for only $99/mo for your first 3 months. Use my referral link or enter code CHELSEA on your application.
Monarch Money
The budgeting app that actually stuck for my ADHD brain.
Manage your budget and money with Monarch Money — use my link and enter code MONARCHVIP to get 50% off your first year of Core Plan.
Trust & Will
The peace of mind that comes from knowing your family is protected — without paying thousands for an estate attorney.
Use my link and enter code EXCLUSIVE10 for 10% off your estate plan.
NokBox
Leave memories, not a mess. This is how I organize the documents that actually matter.
A structured, portable system that organizes your most important documents, credentials, digital access, and life details in one place. I got the fireproof version. They run sales frequently — check the link for current pricing.
Ally Bank High Yield Savings
Where I keep our savings — and actually earn something on it while it sits there.
Use my referral link to open a new Ally savings account and earn a $100 bonus. No minimum balance, no monthly fees.
Santevia Water Filtration
The countertop water filter and shower filter we use every day — because I got tired of wondering what's in our water.
Use my link to get 10% off your purchase.
Prepared Hero
The emergency fire blanket I bought and genuinely hope we never need.
Save $5 off your first purchase with my link.
Want the full breakdown before you decide?
I don't just share links — I share the research. My blog covers exactly what I chose, why I chose it, what surprised me, and who each option might not be right for. Start there if you're still weighing your options.
Read the blog →Who's Chelsea?
I'm a business / contracts lawyer with AuDHD who reads the fine print for fun. I manage every financial and logistical decision for my family — health coverage, life insurance, estate planning, budgeting, all of it — and I got tired of keeping the research to myself.
Decide with Chelsea started because my friends kept texting me asking which life insurance I went with, how I found our health coverage, and whether that budgeting app was actually worth it. Turns out, it wasn't just my friends who needed this. A lot of us are navigating the same adulting decisions alone, in silence, with 30 browser tabs open and no confidence to pull the trigger.
I'm not a coach, guru, or financial advisor. I'm a research buddy. I vet the tools, read the member guidelines, and share my honest take — including when something isn't a good fit — so you can make your own informed decision and move on with your adulting life.
Frequently Asked Questions
I only recommend things I personally use and pay for. Every product on this page is something I chose for my own family after extensive research. I also make a point to tell you when something is NOT a good fit — because credibility matters more to me than commissions. I'm a business / contracts lawyer, so reading fine print and digging into terms is kind of my thing.
Some of them, yes — affiliate links are marked with an asterisk (*). But here's the thing: you'll never pay more by using my link. In most cases you'll actually pay less because I negotiate discount codes. I will never promote something just because it has a good commission. If I don't use it, it's not here.
I research it thoroughly, try it myself, and then ask: would I recommend this to a close friend? If the answer is yes, I'll share it. If the answer is "only in certain situations," I'll share it AND tell you exactly who it's not for. If the answer is no, you'll never see it on this page.
These are my current top picks — the ones I use right now and feel great about. As I research more adulting decisions, I'll add to this page. Check the blog for deeper dives on each one, plus other topics I'm researching.
That's exactly why I include "who it's not for" on every recommendation. I'd rather you read that and decide it's not your thing than sign up and regret it. If you're unsure, read the full blog post first — I go deeper there.
*Some of the links on this page are affiliate or referral links. I only recommend services I personally use, and you won't pay more by using them. I appreciate your support — it helps me keep doing this research and sharing it for free.