The sun is shining on the real estate market one moment, and the next it looks like the clouds came out to rain on the parade. Across the country you’re seeing some price reductions. Mortgage rates have more than doubled from historic lows over the past 2 years, and it could be a whole new ball game if interest rates continue to rise.

Many experts think it’s going to take higher interest rates, a recession, or more inventory to crack the market.

With an uncertain real estate market and uncertain economy (and just so many things happening in the world), below are 5 moves that could help 40 year olds create a brighter future.

1. Get an offer for your home online now (no real estate agent needed)

Real estate across the country is still up a lot in value from just a few years ago. Are you ready to sell your home and cash out? Curious to know how big the offer to sell your home would be? Need to upgrade or downgrade? Maybe you just want to move.

Whatever the reason, did you know there’s a way you could receive a no obligation cash offer within 24 hours without any broker/agent, or any showings? And it might be a really great offer.

There is no obligation to sell and it’s completely free to check what your offer is: Offerpad could give you a competitive cash offer right now. Offerpad is a large real estate company that has bought and sold thousands of homes.

All you need to do is fill in a 3-minute questionnaire. Just answer some questions about your home and Offerpad will carefully evaluate your home with local market expertise.

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 longer.

After you review your offer, if you don’t like it, you could choose to have Offerpad list your home instead (but again, there is no obligation to do so). They can even help with getting a new mortgage.

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

2. Help Protect Your Family By Leaving Them With Up To $5,000,000 (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 Fabric by Gerber Life, a company that lets you apply online in minutes without leaving your couch. Most applicants do not require a medical exam. If it is required, it would be at no cost to you and entails a trained professional working around your schedule to meet you conveniently at home or work. Get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $5,000,000.

You’ll simply answer a few health questions as part of the online application. Fabric by Gerber Life can give parents coverage that is affordable, plus wills, access to college savings funds, and more tools to help protect your family’s financial future—all in an easy online experience. It’s the digital convenience of Fabric, now partnered with a brand trusted by millions of families like yours for more than 50 years.

Policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in under 10 minutes. You’ll simply have to answer a few health questions as part of the online application.

Start your application. You could be covered in less than 10 minutes, and help ensure your family’s financial future is secure.

3. Get A Top Financial Advisor To Help You Reach Your Money Goals (This Is Not Just For Wealthy People)

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

Getting a second opinion from a professional can’t hurt, a professional money manager/financial advisor could do wonders for your financial and retirement future. A financial advisor could help you create long-term strategies for building wealth and managing risk. Even if you don’t need help picking investments, they can help you create a financial plan, maximize your Social Security, help with tax planning, protect your assets and offer you peace of mind by ensuring you’re on the right track.

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), 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.

Answering the questionnaire takes less than 2 minutes, and in most cases 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.

The best advisors will work with you, as a partner, to make a game plan that puts you on track to achieve your financial goals and retirement dreams.

This has the potential to be hugely beneficial: Take a minute to fill out the short questionnaire now. Find out what advisors you’ll be matched with, there is no obligation to sign up with anyone (even after you’ve taken advantage of the free consultation).

4. Try This Instead Of Using High Interest Credit Cards

Look, sometimes you need to use a credit card. But sometimes it’s like throwing cash down the drain because of high interest. If you own a home and need cash and don’t want to use crazy sky high interest credit cards or loans (we don’t blame you), you could use your home to take out a lower interest home equity loan instead. You could use the cash for virtually anything you want (like paying off debt, home improvements, or something else) and potentially save thousands of dollars in interest payments.

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.

Instead of paying high credit card interest, you could take advantage of much lower rates using a home equity loan.

How to shop for the best deal? LendingTree is an online marketplace that will show you multiple lender options and how much cash you can get in under 2 minutes (just answer a few quick questions about your home and your results will apear). It has been finding top loan options for Americans for more than 20 years.

Check your rates right here.

5. Diversify Your Retirement Investments with Gold & Real Estate No Matter The Income Level

Not planning for the future could literally be asking to fail. And nowadays there’s no excuse not to plan ahead with the internet making it easier than ever.

Gold and real estate are some of the best ways to diversify a portfolio, but so many people are missing out because traditional retirements accounts only let someone invest in stocks and bond. Also people make the mistake of thinking they need huge sums of money to invest in these assets. With a self directed Equity Trust IRA (IRA stands for Individual retirement account) anyone can now set up a retirement account that allows them to invest in gold, real estate, and more.

Equity Trust has been in business for more than 45 years, and has over $39 billion in retirement assets under custody and administration. They have over 400 client-focused associates that are there to provide dedicated, personalized service whenever someone needs it.

Simply start by requesting your free self-directed IRA success kit from Equity Trust, it contains useful information. Then (or whenever you’re ready), set up a free no obligation phone call with one of the Equity Trust associates that can help you set up your Equity Trust IRA account if you choose to do so.