I've never used one. See my wallet and decide for yourself if that worked out for me (I have a post with a "be an owner, not a renter" which google may find if interested).
I have a post I did a while back with the title of the cryptocurrency bank spreadsheet. That's what I use. I need to update it though as the API it uses is getting hit too much.
Big question. Couldn't boil I down to one thing. Search for my post on relationships, reputation, and rewards. Lots of good stuff there, I think.
I'd normally provide links but I'm on my mobile in bed and should be trying to sleep. :)
Hi @lukestokes, thank you so much! Your progress is definitely a huge inspiration. The fact that you reached that organically is incredible and definitely something I want to emulate here on Steemit. I'll definitely look through your posts and gather more insight, thank you!!