Making smarter decisions today can really payoff big. No more time to waste. So let’s jump right in.

If you’re a homeowner in your 40s, there’s no better time than today. Whether it’s retirement or your financial future next week, here are 6 top moves.

We always think we know best, but sometimes there are options right in front of us that could help us more than we’ve imagined.

1. Use Your Home To Access Cheaper Interest Rates

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.

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.

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.

Check your rates right here.

2. Protect Your Family With A $2,000,000 Life Insurance Policy (It May Cost Less Than $2 A Day!)

If there are important things you do today, make sure this is on the list because one of the most important things you can do for the wealth of your family is to protect them. We hate to think about it, but who would make the mortgage payments if something were to happen to you? An extra $2,000,000 could go a very long way.

Life insurance is made fast, easy, and entirely online with Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late. The longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 200,000 families and has provided over $65 billion in coverage. Ethos is the #1 online life insurance provider.

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.

3. Protect Your Home From Costly Repairs

No one likes it when a repair is needed at their home, especially when it’s a costly repair. Investing in a home warranty is a proactive step towards avoiding costly home repairs. A home warranty acts as a safeguard against unexpected expenses by covering the repair or replacement of major appliances and systems. With a home warranty in place, homeowners can enjoy peace of mind knowing that their essential household components are protected, easing the stress of potential breakdowns and their associated costs.

Choice Home Warranty offers tailored solutions to meet homeowners’ needs. Choice Home Warranty has covered more than 2 million homes and has serviced more than 6.6 million service requests. Their extensive network of 15,000+ local pre-screened technicians ensures service whenever a claim is filed. With Choice Home Warranty, homeowners benefit from comprehensive coverage for items such as heating and cooling systems, electrical, plumbing, and kitchen appliances, providing reassurance against unexpected breakdowns.

Their customizable plans cater to different budgets and preferences, allowing homeowners to select the coverage that best suits their needs. Choice Home Warranty is available 24 hours a day, 7 days a week.

Get a free quote now right here.

4. Get Your Vehicle Protected From Costly Repairs

Nobody likes it when their check engine light comes on, especially when your car is out of warranty. That can mean expensive auto repairs.

There is a company called CarShield that could help you avoid those expensive auto repairs. They have covered over 2 million cars on the road and have paid over $1 billion in administrator claims. They have been serving customers for almost two decades and are highly rated on Google.

CarShield provides auto warranty plans to save drivers money on covered car repairs. They offer plans covering parts like your engine, transmission, drive axle, brake system, air conditioner, water pump, alternator, fuel pump, power windows, radiator, suspension, electrical, and more.

You provide basic information about your vehicle to CarShield, and they will help you find the best plan options for your vehicle and budget. Choose your coverage level and protection plan. You will be amazed by the affordability and flexibility of their service plans. They offer coverage options that fit every budget.

Head to Carshield to get protected and find out if you can save money now.

5. Get A Financial Pro On Your Team Today (This Isn’t Just For Billionaires)

Do you have a financial advisor to help you make big money moves (from investments, to tax planning and more)? Why not?!

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), answer the short questionnaire right here, and the free service from WiserAdvisor will instantly match you with up to three fiduciary financial advisers, all legally bound to work in your best interest.

You’ll even get a free no obligation consultation. WiserAdvisor has successfully helped over 100,000+ individuals like you match with a financial advisor.

This has the potential to be hugely beneficial: It’s free to use the WiserAdvisor service if you have a portfolio over $50k, don’t let the opportunity pass you up. Answer the short questionnaire right here.

6. Clear Out Your Debt

If you have things like credit card debt, you know the ridiculous interest rates are like robbery.

If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, National Debt Relief could be a huge help. Their representatives might be able to assist you in eliminating it much quicker and reducing your costs by up to 30%.

Since 2009, National Debt Relief has successfully helped more than 550,000 people get out of debt. And you have nothing to lose by letting National Debt Relief tell you how they can help you.

Best of all? You’ve got nothing to lose. There are zero fees until your debt is resolved, you could be debt free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds right here to find out if you qualify.