12 Money Moves Every 40-Year-Old Should Make To Help Retire Sooner

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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 12 money moves 40-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

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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. Ask This Site To Save You Hundreds Right Now On Your Car Insurance In 2 Minutes

cars parked in the driveway next to houses

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Let EverQuote tell you in two minutes if this is possible. This site will return multiple auto insurance quotes for you to compare in one place.

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 a year.

See your rates now.

3. Get an Affordable Pet Insurance Policy to Keep Your Pet Healthy and Happy

woman hugging a dog


Unfortunately, bills from the vet can really pile up and hurt your bank account.

But with Embrace, you could get an affordable pet insurance policy that keeps your pet in great health. Started by real pet parents, this company covered over 93% of all of their claims in 2019.

As plans are tailored for dogs or cats, you can choose the plan you need and get coverage for illnesses and injuries, emergency care, hospitalizations, and more.

And get this — for every year in which you don’t receive a claim payment, Embrace will actually reduce your deductible by $50.

You can get a free quote from Embrace today in minutes. Find out just how little it would cost to keep your pet healthy and safe!

Get your free quote by clicking here.

4. 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 $1,000 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. Credible’s Best Rate Guarantee means that you’ll even get $200 if you find a better rate elsewhere (*terms apply, see terms on the Credible website for details) !

See your personal loan rates now.

5. 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

6. Earn Up To 8.6% Interest on Your Bitcoin & Get Up To a $250 Bonus

bitcoin on a hundred dollar bill

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Bitcoin and other cryptocurrencies have been skyrocketing. If you invested a while ago, you’re probably sitting on some big gains. Or, maybe you’re just getting started with cryptocurrencies.

As crypto has matured, so have the products around it. And now there’s another way to make bank on your crypto.

You can get up to 8.6% APY interest on your Bitcoin, Ethereum, Litecoin, Chainlink, among other crypto with BlockFi.

BlockFi is available in the following states: AL, AR, AZ, CA, CO, DC, DE, FL, IA, IL, IN, KS, KY, MA, MD, ME, MI, MN, MS, NC, NE, NH, NJ, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV

Interest accrues daily, all you have to do is signup and let BlockFI pay you interest on your holdings.

That’s not all, join now through this link and get up to a $250 welcome bonus with you deposit atleast $25.

BlockFi has top tier security protection. It has built a best-in-class compliance program to protect your assets.

BlockFi is backed by industry-leading investors, including Valar Ventures, Morgan Creek Capital Management, Coinbase Ventures, Galaxy Digital, Susquehanna Government Products, Winklevoss Capital, and more.

7. Get the Best Extended Warranty for Your Car

mechanic working under the hood of a car

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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.

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

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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!

9. Save Up To $2,000 By Telling This App to Cut Unwanted Subscriptions and Negotiate Your Bills

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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!

10. Make A Few Hundred Dollars A Year Watching Videos

remote and smart tv

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Why not make extra cash while you sit on the couch? It can really add up!

When you sign up to InboxDollars, you’ll get a $5 bonus! Once you’ve confirmed your account, you can see a list of videos to watch.

There are all kinds of videos, including movie previews, TV shows, news clips, health, cooking, and tech-related videos. You can see how much the videos earn before you start watching.

In order to earn money, you’ll be required to watch all of the videos in a playlist. You’ll be able to see how long the running time for each playlist is though before you start watching.

There are several other ways to earn money with InboxDollars, including doing internet searches, reading emails, taking surveys, shopping, and playing games.

Sign up for InboxDollars now to claim your free $5 and start earning today. You can earn up to a few hundred dollars each year!

11. See If You Can Cut Your Interest Rate with this Company & Save Thousands on Your Mortgage

san francisco townhouses

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Your house is probably your biggest investment, which means it’s also one of your greatest opportunities to save money.

By refinancing, you could potentially save thousands of dollars on your house. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

Because it is. And with Figure, you can check your mortgage refinance rates in just a few clicks without even impacting your credit score!

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

To start, check your mortgage refinance rates with Figure today and find out how much you could be saving on your house!

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

Get your mortgage refinance rate right now.

12. Get An Affordable Health Insurance Policy You Need

woman getting vaccine from doctor


Health insurance is invaluable. But let’s face it — health insurance is also really expensive. Plus, options are limited, so you don’t always get the coverage you need or the deductible you want.

Sidecar Health is currently available in AL, AR, AZ, FL, GA, IN, KY, MD, MS, NC, OH, OK, SC, TN, TX, and UT.

Fortunately, there’s a new way to do health insurance — Sidecar Health.

This company allows you to completely customize your health insurance plan! Choose how much coverage you want so you’re only paying for the coverage you need.

You can see any licensed health care provider you want. Goodbye, networks!

Through Sidecar Health, members are able to save 40% or more on the cost of care. Get a free quote from Sidecar Health today and finally get the health insurance plan you’ve always needed!

Get your free health insurance quote now.

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.