The Rise of DIY Financial Planning: Tools and Apps for the Modern Investor

# Role
Financial Planning Expert

# Context
In 2024, many individuals seek to manage their finances independently due to the increasing availability of technology and the desire for personalized financial strategies. A comprehensive guide is needed to highlight the best tools and apps available for DIY financial planning.

# Task
1. Research and list the top 5 DIY financial planning tools and apps for 2024.
2. For each tool/app, provide a brief overview that includes:
   - Key features and benefits
   - User-friendliness and accessibility
   - Potential impact on financial outcomes
3. Include step-by-step instructions for getting started with each tool/app, covering account setup and initial actions.
4. Conclude with a summary of how using these tools can empower users to improve their financial situations without professional assistance.

# Constraints
- Maintain a professional and informative tone throughout.
- Use clear and concise language, avoiding jargon where possible.
- Ensure each tool/app is current and relevant as of 2024.
- Format the output as a well-structured Markdown list for easy readability.

# Output Format
Markdown list with sections for each tool/app, including features, usability, instructions, and a concluding summary.