1. Stop wasting money on overpriced car insurance
Car insurance is likely taking a big chunk out of your monthly budget, but it could be keeping you safe for less. Insurance companies tend to pile on confusing add-ons and lingo, which leads you to pay more than necessary.
OfficialCarInsurance.com lets you compare quotes from trusted brands, such as Progressive, Allstate and GEICO to make sure you're getting the best deal.
You can switch to a more affordable auto insurance option in 2 minutes by providing some information about yourself and your vehicle and choosing from their tailor-made results.
Find offers as low as $29 a month.
2. Invest in real estate
Most of the world’s most successful investors know that investing in real estate is one of the smartest choices for long-term growth. But did you know it is still possible to build your portfolio without having to play landlord or forking over a huge down payment?
The Fundrise Flagship Fund¹ is a $1 billion private real estate fund that lets you invest in an expertly crafted strategy without needing hundreds of thousands of dollars. You don’t need to be an accredited investor, and you can get started with as little as $10.
With 4,700+ single-family homes and 2,500+ residential units owned by the Fundrise Flagship Fund, you get exposure to institutional-style scale and diversification. After you place your first investment, the Fundrise Flagship Fund will work to find and add new assets to your portfolio over time and send you transparent updates along the way.
It only takes a few minutes to sign up now and become a real estate investor today.
3. Diversify your retirement portfolio with a gold IRA
Gold has long been touted as a safe-haven asset — and it can go a long way toward building your retirement portfolio. The precious yellow metal offers more stable returns than stocks, especially during market volatility and recession.
You can open a gold Individual Retirement Account (IRA) with Thor Metals to reap tax advantages while investing directly in physical precious metals. Plus, Thor Metals offers no account fees for 2025, free shipping on all orders and free insurance.
Get your free information guide to learn how to get started and earn up to $20,000 in free precious metals with qualifying purchases.
4. Automatically invest your spare change
You don’t need a large sum to start investing for your future. Ten dollars a week could make a difference – if you’re smart about what to do with your spare change.
When you make a purchase on your credit or debit card, Acorns automatically rounds up the price to the nearest dollar and places the excess — the coins that would wind up in your pocket if you were paying cash — into a savings account or a smart investment portfolio.
Let’s say you purchase a doughnut for $2.30. Before you’re done licking the sugar off your fingers, Acorns will round the amount to $3.00 and invest the 70-cent difference for you. Look at this math: $2.50 worth of daily round-ups add up to $900 per year — and that’s before your savings earn money in the market.
Plus, if you sign up now, you can get a $20 bonus investment.
5. Earn passive income
Owning real estate has traditionally been the path to earning steady rental income, but it can be expensive and time-consuming to manage properties.
But Arrived is lowering the barrier to entry for rental property investing, making it simpler and more cost effective.
Backed by world class investors like Jeff Bezos, Arrived is an online platform where you can invest in shares of rental homes and vacation rentals without taking on the responsibilities of property management — for as little as $100.
In other words, you won’t be in charge of fixing freezers or managing noise complaints, but still get to generate potential regular income and diversify your portfolio.
6. Maximize your home equity
With home values higher than ever, you can make your home work harder for you by making the most of your equity. The average homeowner sits on roughly $311,000 in equity as of the third quarter of 2024, according to CoreLogic.
With a home equity loan, you can fund any major expense — home renovations, paying off substantial debt, or even funding investments for your retirement nest egg. Rates on a home equity loan are typically lower than APRs on credit cards and personal loans, making it an appealing option for homeowners with substantial equity.
Unlock the lowest possible rates in minutes by shopping around. You can compare real loan rates offered by different lenders side-by-side through LendingTree.
Just answer a few simple questions, and LendingTree will match you with up to 5 lenders with the best possible rates today.
7. Free up more money to invest
If you purchased a house in the last couple of years at a fixed rate, chances are you might be able to refinance it at a lower rate right now.
Ideally, you can land a lower rate by shopping around. According to a study from LendingTree, 56% of homebuyers shopped around when they refinanced their mortgage. 81% of those who chose to refinance came away with a lower rate than what they started with.
Mortgage Research Center can help you shop around for rates from vetted lenders near you.
All you need to do is enter some basic information about yourself, such as property type and zip code in which it is located, total cost, desired down payment, and your annual income and credit score.
Mortgage Research Center then matches you with lenders best suited to your needs. You can then set up a free, no-obligation consultation to further assess whether they’re the right fit for you.
8. Make your cash work harder for you
If you have a lot of cash sitting in your checking account, consider moving it to a high-yield savings account so you can get more bang for your buck.
You can easily compare multiple online banks offering high-yield savings accounts with 4% or more in annual interest in a matter of minutes. Many options now offer $0 monthly fees and don’t require a minimum balance to earn their high APY.
You can check out the Moneywise best high-yield savings accounts of 2025 list to view your options that can earn almost 10x the national average.
9. Shore up your cash reserve
Certificates of deposit (CDs) are another low-risk option that you can use to earn interest on your cash. They offer even higher returns compared to high-yield savings accounts.
Money put in CDs remains locked in throughout a specified investment period. If you want higher returns and are comfortable with not being able to access that cash throughout the investment term, a CD might be a good choice for you.
You can compare CD rates and other features through SavingsAccounts.com. A side-by-side comparison can make it easy for you to find the best option without having to visit multiple websites.
You can also get personalized CD recommendations based on your preferences through SavingsAccounts.com.
10. Grow your wealth with help from a trusted advisor
Secure your financial future with confidence through a personalized plan designed to optimize investments, navigate taxes, and ensure a comfortable retirement.
And don’t feel like you have to do it alone. Studies show that working with an advisor can add as much as 3% more to your annual returns.
Advisor.com is an online platform that simplifies the process of finding a financial advisor you can trust. They match you with several vetted fiduciary advisors who are evaluated based on their credentials, education, experience and pricing.
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