Making smarter decisions today can really payoff big.

If you’re in your 50s, you might think you can wait but there’s no better time than now. Here are 6 top ways you could start making progress today!

1. Get A Cash Offer For Your Home Online Now

Have you been thinking about upgrading or downsizing or maybe cashing out? Maybe you’re just curious about how much money you can get for your home or want to move. Whatever the reason, did you know there’s a way you could receive a cash offer within 24 hours without any broker/agent, or any showings?

Offerpad could give you a competitive cash offer right now. Offerpad is only available in Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Nevada, North Carolina, and Texas.

All you need to do is fill in a 3-minute questionnaire. Just fill in some info and Offerpad will carefully evaluate your home with local market expertise. They’ll give you a free, no obligation cash offer within 24 hours.

If you choose to accept your offer, Offerpad will also provide you with free local moving to your next place. You can also pick your closing day, which could be in as little as 24 hours, or choose to extend your stay to live in your current home a little longer.

Find out what your home’s cash offer is in 3 minutes right now.

2. Get A Top Financial Advisor To Help You Reach Your Retirement Goals

There is no better time to plan for your financial future than today.

And a professional money manager/advisor could do wonders for your financial and retirement future. If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), getting a second opinion from a pro certainly can’t hurt. A financial advisor could help you create long-term strategies for building wealth and managing risk. They can help you plan for retirement, track, manage and balance your investment portfolio. They can also provide helpful advice on lots of other financial issues and decisions from tax planning, estate planning, financial planning, and more.

There are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, WiserAdvisor. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes about a minute, and you’ll be offered a free consultation. WiserAdvisor is an independent matching service that helps individuals find the best financial advisor for their unique needs. They have successfully helped over 100,000+ individuals like you find their ideal financial advisor since 1998.

This has the potential to be hugely beneficial: Take a minute to fill out the short questionnaire now.

3. Help Protect Your Family By Leaving Them With Up To $2,000,000 (This Should Be A No Brainer)

We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Life insurance is made fast, easy, and affordable with Ethos, a company that lets you apply online in minutes without leaving your couch (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $2,000,000.

You’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

4. Try This Instead Of Using High Interest Credit Cards

If you want cash to do something like pay off debt, make a home improvement or make any other kind of purchase, you could use your home to take out a lower interest home equity loan instead of using a high interest credit card or other higher interest loan. You could use the cash for virtually anything you want and potentially save lots of money in interest payments.

Check your rates now right here with LendingTree in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

A home equity loan allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral you usually can get much better interest rates than other loans or using a credit card. You receive the money from a home equity loan as a lump sum, and you pay back the loan in monthly payments.

LendingTree is an online marketplace that could help you get a large sum of cash against the equity in your home quickly. It has been finding top loan options for Americans for more than 20 years.

5. Get Between $30,000 to $500,000 By Selling Equity In Your Home (This Is Not A Loan, No Monthly Bill)

Interests rates are higher than they’ve been in years. You might want to access a large sum of cash right now, but don’t want to take out a loan. If you’re a homeowner, your home is extremely valuable but it’s hard to access that value unless you sell. But now, there is a way to take advantage of being a homeowner to access between $30,000 to $500,000.00 and avoid having to borrow money at a high interest rate and without selling your home.

Unison might be the solution you’ve been looking for.

Unison can invest in your home, giving you cash today, in exchange for a percentage share in your home’s future appreciation, allowing you to get cash you need without needing to pay monthly loan bills. If you qualify, Unison will give you up to $500k or 17.5% of your home’s value. Unlike a loan, there’s no interest, no monthly payments, and no debt.

So what’s the catch? There’s no catch, really. In exchange for its investment, Unison will share in the profit or loss when you finally decide to sell your home and move out (up to 30 years later). If you decide you want to stay longer than 30 years, you can settle the agreement at the end of the term without moving out.

Here’s how it works on the Unison website: After confirming your home is pre-approved by simply entering your address, you’ll need to fill out a quick and easy form with some info and a credit check, typically completed in just a few minutes or less.

Apply and speak to one of Unisons specialists who will go over all the details with you. All said and done, the typical Unison equity sharing agreement goes from pre-approval to offer in just about 30 days, often depending on the appraisal step of the process. It’s a quick and easy way to get back your down payment, pay down costly debt, or fund an important purchase, without signing up for more monthly payments or accruing more interest.

6. Earn Over 5% Interest on Your Savings

For a long time your savings earned very little interest in the bank, but interests rates have risen.

And now you can get over 5% APY with Western Alliance Bank powered by Raisin. Raisin is a fintech company that makes it very easy to set up a bank account online. With Raisin you’ll get access to 40 insured banks & credit unions, and you’ll be able to manage everything from one account with one single secure login. Let’s say you have your account with Western Alliance in the Raisin platform, and then you notice another bank in the platform with a higher interest rate. Raisin makes it easy to switch between bank so that you can always get a top interest rate.

Start by signing up with Western Alliance powered by Raisin. All you need to do is fund your account with at least a $1 minimum deposit. There are no fees. You’ll have 24/7 online access.

What’s stopping you from earning more interest. Sign up now and fund your account in 2 minutes.