(We’ve updated this list to 3 of the top moves).

Raising kids is hard! Raising kids is also expensive! Especially when they’re younger and likely don’t have any sort of job to help pay their own way. And then even when they’re over 18 you’re still likely helping them out.

So what’s a parent supposed to do? Below are 3 top items that can help parents, save, protect, and get more cash.

1. Get a Debit Card & Checking Account That Actually Rewards You

You probably use a debit card on a daily basis to buy things for the family (like the grocery or drug store). If your debit card is not giving you cashback you probably want to change that.

The FDIC insured Upgrade Rewards Checking Account will give you up to 2% cashback on common everyday purchases, and 1% cashback on everything else.

There are no ATM fees, no account fees, and no transfer fees.

They will even give you up to a 20% lower rate on loans & credit cards through Upgrade.

Open an account in under 2 minutes now. Fund your account with a click of a button, it’s that easy.

2. Help Protect Your Your Family By Leaving Them Up To $8,000,000

We hate to think about it, but who would make the rent or mortgage payments and who would pay the bills 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.

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

Ladder offer’s term life insurance policies starting from as little as $4.95 a month, and you can complete the company’s application in 5 minutes. Ladder is 100% digital for coverage up to $3 million which means no medical exams or filling out paperwork! You’ll simply have to answer a few health questions as part of the online application.

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

$4.95/month pricing is based on 20-year-old female, preferred plus rating with a 10 year term and $100,000 in coverage.

Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.

3. Turn The Equity In Your Home Into A Large Sum Of Cash

Are you a homeowner and could use a large sum of cash to do things like make home improvements, pay off debt, fund a childs education or something else. You can likely do that — using the equity you’ve already built up in your home. It’s called a cash-out refinance.

A Cash-out refinance replaces your current home loan with a new bigger mortgage, allowing you to take advantage of the equity you’ve built up in your home and access the difference between the two mortgages (your current one and the new one) in cash. The cash you get can go toward virtually anything you want.

With New American Funding, you can check your cash-out refinance rate quickly and easily. All you need to do is fill out a brief questionnaire with some basic information about your property. Then, the company will show you your offer in two minutes or less. You’ll get a credit score of at least 620 to get approved.

Want to find out how much cash you could get your hands on using your home equity? Simply fill out this brief questionnaire to get your offer from New American Funding today.