8 Money Moves 28-Year-Olds Can Make For Their Future


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At every phase in life, it’s important to make smart financial decisions. But right now, at your current age, there are a handful of opportunities you can take advantage of — money moves that perhaps you didn’t know existed only a week ago.

Here are 8 money moves 28-year-olds should know about. Check them off your list this week and make your money work harder for you!

1. You Could Leave Your Family with $1.5 Million

woman leans on gray concrete wall

Kelly Sikkema on Unsplash

At your age, one of the smartest money moves you can make is to 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 a must.

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.

Plus, with a company like Bestow, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Bestow’s policies start from as little as $16 a month, and you can get a quote in minutes — without providing a medical exam or filling out paperwork!

And with coverage of up to $1.5 million, you can leave your family with a significant amount of money after you pass.

Get your free quote from Bestow today and make sure your family’s future is secure.

2. Stack Cash By Replacing Your Current Car Insurance

cars parked in the driveway next to houses

Erik Mclean on Unplash

Let EverQuote find you multiple car insurance quotes in just two minutes for you to compare.

That’s a lot of time you’ll save. Just fill out a quick questionnaire.

If you find cheaper insurance than you currently have, EverQuote can help make the switch super easy.

It might save you hundreds of dollars every year.

See your rates now.

3. Diversify Your Investments By Investing in Fine Art

womans portrait art

Vlad Kutepov on Unsplash

As the stock market suffered as a result of the pandemic, we realized the value of diversifying our investments. For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

To start investing, simply request an invite for membership today!

See important disclaimer: masterworks.io/disclaimer

4. You Could Invest in the Stock Market Today with Just $5

mobile screen displaying amazon stock information

Austin Distel on Unsplash

You don’t need to be rich to invest in the stock market. Actually, today, you can invest in the stock market with as little as $5.

Stash is a company that allows was made to help beginner investors get started. You can invest in fractional shares — meaning you can invest as little as $5 and get pieces of well-known companies, such as Apple, Tesla, Amazon, and other well known companies. These companies trade at hundreds of dollars per share, but Stash lets you buy pieces of them.

And get this — just for creating and funding your personal portfolio with at least $5, you’ll get a $5 welcome bonus added to your portfolio*.

Stash offers tools and guidance to help you get started as well.

Sign up for Stash today and start investing with just $5!

5. Get Rid Of Credit Card Debt

woman sitting on the couch worried about bills


Are you stuck paying for credit card interest? You probably could have used that extra money on a whole lot of other things. After all, credit cards often come with extremely high interest rates that keep users trapped in debt.

Don’t make that mistake again — if you have credit card debt, you could eliminate it today by getting a personal loan through Credible.

By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

This marketplace will find you multiple offers on personal loans. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $600 to $100,000.

All it takes is two minutes to check out your rates with Credible and potentially find a loan that wipes out your credit card debt and saves you thousands.

See your personal loan rates now.

6. This App Could Be Your Free Finance Butler And Save You Lots Of Money

crumpled receipt

Michael Walter on Unsplash

Most people have a few subscriptions that they no longer use or don’t use very often. Some of them might even be charged to your account soon! Canceling them would mean hanging onto some extra money before next Friday.

But amongst all of the different transactions on your account each month, they might still fly under the radar.

Not to fear — Truebill can find them and cancel them for you. This app will show you each of your bills in one place and cancel the ones you no longer want—with your permission, of course.

What’s more, Truebill can even negotiate your bills for you. Whether it’s your cable bill, phone bill, or another expense, Truebill will try to get you better rates so that you potentially pay less going forward.

Think about how much this could save you this week, this month, and over the next year. Download the Truebill app today to get started!

7. Invest in MultiFamily and Other Real Estate Projects with Just $5,000

black and white concrete building

Luke van Zyl on Unsplash

You used to need to have tons of cash to get in on real estate investing, but with RealtyMogul you just need $5,000.

With RealtyMogul you can diversify with vetted real estate with the potential to generate income and grow in value.

212,000 investors have joined RealtyMogul,$600 million invested on the platform, and over $3.10 billion in deals posted on the platform.

Since its inception in 2012, the RealtyMogul platform has received over 30,000 real estate deals submitted. As of January 1, 2021, the platform has hosted 337 of these transactions, or just 1.1% of deals submitted. The due diligence review process is completed prior to every deal.

Click here to join RealtyMogul now.

8. Get the Best Extended Warranty for Your Car

mechanic working under the hood of a car

NeONBRAND on Unsplash

Consider the cost of repairs to your car. You’re only one breakdown from having to fork out hundreds of dollars (thousands, in some cases) to get your car back on the road!

Well, with Olive, you can get an extended warranty for your car for an affordable price each month.

Olive allows you to tailor a plan to coverage needs and monthly budget, and your rate is fixed for the life of your term. You can also cancel at any time without penalty!

What’s more, there’s no waiting period. After your first payment, your coverage will start at midnight. You’ll be covered up to 185,000 miles, with no annual mileage restrictions.

And filing a claim is easy. Use Olive’s RepairPal tool to find a repair shop near you and Olive will pay your bill directly so that you don’t have to wait for reimbursement.

Finally, Olive invests a portion of your premium in renewable energy, sustainable infrastructure, social services, and other community programs at no extra cost to you.

Get a free instant quote from Olive today and you could have an affordable extended warranty for your car by midnight!’

Get your car covered here.

You’re at the Perfect Age to Make Smart Money Moves

There are plenty of great money moves you can make at your age — moves that help you provide for your family, invest for the future, and earn a little extra money right here and now.

Capitalize on these 12 opportunities this week and reap the rewards of doing more with your finances.

*Wall Street Insanity is a paid affiliate/partner of Stash. Promotion is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must complete the following steps: (i) click through the link above, (ii) successfully open a Stash Invest Account (otherwise known as your personal portfolio) in good standing, (iii) link a funding account (e.g. an external bank account) to your new Stash Invest Account, AND (iv) initiate and complete a deposit of at least five dollars ($5.00) into your Stash Invest Account.

(*1)Bank Account Services provided by Green Dot Bank, Member FDIC

(*2)Stash banking account opening is subject to identity verification by Green Dot Bank. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash. Bank Account Services provided by Green Dot Bank and Stash Visa Debit card (Stock-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.