I work in cybersecurity and really like Rocket Money. However, my main concern is the security risk of linking my other accounts to get a complete view of my net worth. Without two-factor authentication (2FA) using an authenticator app, the risk of being hacked increases. An authenticator app is more secure than receiving codes via text messages because hackers can perform a SIM swap attack. In this attack, they take control of your phone number, so any authentication codes sent via SMS are redirected to their device. If they also have your password, they can easily gain access to your account. With an authenticator app, this type of attack isn’t possible, making it a much safer option for securing your accounts. I know this firsthand because I was a victim of SIM card swapping in 2020, which is why I strongly advocate for using an authenticator app over SMS-based 2FA.