At 44, Tom Weber’s credit card statement made him physically sick. Between the divorce, his daughter’s college bills, and years of just “getting by,” he had nothing saved and $11,000 in high-interest debt.
His friends were talking about lake houses and European vacations. Tom was Googling “can you retire with no savings.”
Then one conversation with his brother-in-law changed everything. Not an inheritance, not a lucky stock pick—just one strategic money move Tom didn’t even know existed.
At 63, he retired early. Here, in his own words, is exactly what he did.
Not all of these things will work for you, but some will, so be sure to read them all.
1. I asked this company to help reduce my credit card debt
Worrying about debt is probably the worst way you can spend your time, and paying interest and late fees is the worst way you can spend your money.
If you’ve got a problem, like I did early on, the sooner you deal with it, the better.
If you have over $10,000 in debt, National Debt Relief is one of the most respected providers of debt relief in the U.S.
There’s no upfront fee and no obligation to get started.
Ready to start a new, happier chapter of your life?
2. I used my home to get rid of high-interest debt
When my home soared in value, I turned to a home equity line of credit (HELOC) to replace my high-interest credit card debt with a much lower-interest loan. I saved hundreds annually by simply swapping credit card interest for HELOC interest.
Those savings eventually helped me pay off my house.
HELOCs could be the fastest, easiest and cheapest way to access extra cash, for whatever purpose, from consolidating debt to upgrading an outdated kitchen: HELOC rates are less than half what credit cards charge
In seconds, Money.com's comparison page will show you the best rates in your area, so you know you’re getting the best deal.
3. I stopped getting ripped off on big expenses like insurance
How would you feel if you found out you’re throwing away $1,200 annually just to pad some insurance company’s bottom line?
It’s very possible. But there’s only one way to know for sure.
This new car insurance shopping tool can tell if you’re overpaying for your car insurance with just a few clicks.
This new home insurance comparison tool exposes what home insurers don’t want you to see: identical coverage for hundreds less.
Take 3 minutes right now, click those links and see if you can save serious money: that’s what I did.
But don’t forget the cardinal rule: When you find ways to spend less on major expenses, don’t blow that extra money: Put it toward your mortgage, or invest it.
4. I earned $1,340 while watching TV
Swapping a little spare time for extra money is easier than you think. I made up to $1,340/month doing it.
Lots of companies let you earn money for testing apps, playing games and taking surveys. But the one I used, FreeCash, is in a league of its own.
They list thousands of offers from companies with most taking only around 5-10 minutes to complete.
5. I worked with a pro and doubled my retirement
As my debt went away and my savings swelled, I found myself with more and more to invest. And for a long time, I did all the investing myself. It’s not all that hard, right?
Well, a Vanguard study found that, on average, a hypothetical $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you work with a financial adviser. That’s twice as much!
Even if you don’t want help picking investments, an adviser can help lower your tax burden, create a comprehensive financial plan, maximize your Social Security and much more.
If you have at least $200,000 in investments, check out a free service called Zoe Financial.
Find your top three matches, pick your favorite advisor, and invest with the tailored financial guidance you need.
Best of all, Zoe is a cost-free service.
6. I turned $50 Into Up to $1,000 in Free Stock in 5 Minutes)
I was always on the lookout for any edge; any way to get ahead.
Perfect example? SoFi Active Invest is giving away up to $1,000 in stock when you open & fund a new Active Invest account. Buy fractional shares of giants like Amazon, Netflix, and NVIDIA for as little as $5. No trading fees, ever. SoFi Active Invest is one of the top investing platforms on the market with an “Excellent” rating on TrustPilot based on over 9,000 reviews.
The 5-minute set-up couldn’t be simpler:
- Click here to open your account.
- Fund your account with at least $50 (important — don’t skip this step!).
- That’s it! You’re now eligible to get up to $1,000 in stock.
Your $50 stays yours to invest however you want, plus whatever free stock you receive.
Get My Free Stock Now (Only Need $50)
INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).
The probability of a member receiving $1,000 is 0.028%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Members must fund their account with a minimum of $50.00 to qualify. The probability percentage is subject to decrease. Members are only eligible for the Stock Award promotion upon opening their first brokerage account; subsequent cash brokerage accounts are ineligible for the promo, including for members with multiple accounts.
7. I switched banks and got up to a $300 bonus
Another example of getting an edge: getting paid simply for opening a better bank account.
If you’re banking at a traditional brick-and-mortar bank, you’re getting ripped off. They’re charging you monthly for a checking account and paying a pittance on your savings.
Better idea? SoFi. They offer a combination checking-and-savings account, and if you set up direct deposit, you’ll earn up to 4.30% on your savings. (Can change without notice.) That’s eight times the national average.
Direct-deposit $5,000 or more within the first 25 days, you'll get up to a $300 bonus. Direct-deposit $1,000 to $5,000, you’ll get a $50 bonus.
That’s free money.
Earn up to 4.20% Annual Percentage Yield (APY) on SoFi Savings with a 0.90% APY Boost (added to the 3.30% APY as of 9/23/26) for up to 6 months. Open your first SoFi Checking and Savings account between 9/3/26 and 12/31/26, then within 60 days of account opening receive an eligible direct deposit OR $5,000 or more in qualifying deposits. You must maintain eligible direct deposit or $5,000 in qualifying deposits every 31 days to keep the Boost, for up to 6 months. Rates variable, subject to change.
Terms apply at sofi.com/banking. SoFi Bank, N.A. Member FDIC.
8. I left my family $3M richer
While I was doing everything possible to build my wealth, I wasn’t neglecting my family.
What would happen to your family if you died today? If you don’t like the answer, do what I did.
If you’re between the ages of 20 and 59, and not living in New York, check out a term life insurance policy. It’s probably cheaper than you think.
For example, Ethos is one company where you can find up to $3 million in coverage for less than your monthly streaming subscriptions.*
Better yet, there’s typically no medical exam, ** and 90% of applicants get instant approval. They even offer free will and estate planning tools valued at $898.*
Peace of mind is only a click away. Check out their easy online application.
Perks: *Estate Planning Tools are available with the purchase of an eligible policy; not available in SD or WA. Pricing: *Term length, health, age, coverage amount, No medical exams. **Answer a few health questions
9. I Saved as Much as 80% on My Weight Loss Meds
If you’re finally ready to lose weight, FDA-approved GLP-1s — like Semaglutide & Tirzepatide — burn fat fast. And this company we found called MyStart gets them to you 80% cheaper!
It might sound crazy, but MyStart operates on a cash-only basis and does not accept insurance. This is how they’re able to provide up to 80% off the typical cost of weight-loss medications like Ozempic and Zepbound. (You can pay via credit cards, including Visa and Mastercard.)
Skip the surgeries, diets, and expensive costs of weight loss. Get real results with GLP-1s at 80% less than name brands! Plus, get access to U.S.-based doctors 24/7 when you go through MyStart. No insurance is required and there are no hidden fees.
Dr. Ritu Chopra (from the show “The Doctors”) says this is the future of weight loss. Join now before prices go up! You could qualify in 5-minutes or less.
Take the quiz to get up to 80% off weight loss medications.
10. I saved $3,500 a year without budgeting
What if you could automatically save thousands without changing your lifestyle? The average Rocket Money user saves $290 per month by eliminating waste they didn’t know existed.
Rocket Money’s AI scans your spending, instantly identifies forgotten subscriptions, negotiates your bills down (including cable, internet, and phone), and even helps you get refunds on overdraft fees. Join 5+ million members managing over $50 billion in transactions.
Free to try, keep what we save you through bill negotiations, or upgrade to Premium for unlimited cancellations and 24/7 financial concierge support. No commitment, cancel anytime.
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