You’ve worked hard all your life, and your savings are finally starting to show it. Now, ever so subtly, your priorities are beginning to shift from making money to making sure you’re not going to lose your money.
Here are a few things to think about. Not all of these tips will work for you, but some will, so be sure to read them all.
1. Stop getting ripped off on your car insurance
How would you feel if you found out you’re throwing away $600 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 insurance shopping tool can tell if you’re overpaying for your car insurance with just a few clicks.
To find out if you’re losing up to $600 or more a year, just click this link, answer a few questions, and within 2 minutes you’ll see if you qualify for a lower rate.
2. Earn an extra million
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’ve got at least $100,000 in investments, check out a free service called Advisor Match. In less than 5 minutes, you’ll be offered a free consultation with up to three vetted, fiduciary financial advisers in your area.
Please carefully review the methodologies employed in the Vanguard white paper, Putting a Value on your Value: Quantifying Vanguard Advisor’s Alpha.
3. Leave your family $3M richer
What would happen to your family if you died today? If you don’t like the answer, do something about it.
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% 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
4. Cash in on your home’s equity
With today’s soaring real estate prices, a home equity line of credit (HELOC) could be the fastest, easiest and cheapest way to access extra cash.
Upgrade that outdated kitchen, consolidate debt, take that dream vacation: Whatever you want. And HELOC rates are typically 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.
5. Use this secret source for discounts
Are you over 18? Then you’re eligible to save hundreds of dollars every year simply by joining AARP.
“What?” You say, “I thought AARP was for retired people.” Nope. You just have to be 18 or over.
With AARP, you’ll get discounts on tons of things, including flights, rental cars, restaurants, hotels and more.
Anyone trying to save money can’t afford not to join AARP, especially since the cost is as low as $15 per year with auto-renewal.
You’ll likely recoup the cost in the first week. Click here and check it out.
6. Ask this company to help reduce your 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, 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?
7. Switch banks and get up to a $300 bonus
If you’re banking at a traditional brick-and-mortar bank, you’re getting ripped off. They’re charging you 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 a whopping 4.50% 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 a $300 bonus. Direct-deposit $1,000 to $5,000, you’ll get a $50 bonus.
That’s free money.
Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account between 3/31/26 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#2. SoFi Bank, N.A. Member FDIC.
8. Leave your family $3M richer
What would happen to your family if you died today? If you don’t like the answer, do something about it.
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% 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
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