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Personal Capital vs. Google Sheets: Which Is Better for Tracking Your Net Worth?

Personal Capital Rebranded to Empower and Quietly Got More Aggressive About Selling You ThingsWhat started as a clean, free net worth tracker has gradually become a lead generation funnel for Empower's wealth management services — persistent advisor calls, nudges to move assets under their management, and a product that feels increasingly designed to upsell rather than inform. That's not a conspiracy theory. It's a business model. Free tools don't stay...

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