Today's been 1 month since I did a web 2.0 on wordpress.com with 8 unique, 500+ words articles (a high quality I might add ). It has yet to be indexed. I barely got the homepage indexed yesterday after adding web 2.0 in my GSC. I haven't built any backlinks to it though, so that might have something to do with it.
Some suggested that Blogspot blogs might get indexed faster due to the fact that it's owned by Google, but I've seen comments saying otherwise.
Go for both.
Sincerely, I would strongly advise doing something else with the time invested.
I honestly think the time I've put into those articles would have been better invested just replying in forums on niche-related topics.
L.E. Sorry, I just saw you were talking about a personal money site, not for backlinks.
In this case, I can add that 3 years ago I was getting 200UV/day organic to a free wordpress.com blog. It does work, but you don't own it so there's that.