Rachel Torres

Rachel Torres is a personal finance journalist and fintech researcher based in Austin, Texas. She has spent eight years covering consumer financial technology, digital banking, and the tools that help everyday people manage their money. Before launching MyMomToken, Rachel wrote for banking industry publications and tested hundreds of financial apps firsthand. Her research process starts with the official product documentation and ends with hands-on testing. She believes financial tools should be evaluated on what they actually do, not what their marketing promises.