10 Surprising Money Moves You Can Make Without Being A Millionaire

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As someone looking to grow their wealth, you probably think that millionaires have it easy—after all, they have more money to risk and access to better investment opportunities, right?

Today, more than ever, there are opportunities for you to use your money like a millionaire without being one. These include making smart investments, ensuring your family’s future, and simply choosing not to overpay on your everyday expenses.

Here are 10 money moves that you can make without being a millionaire.

1. You Could Leave Your Family with $1.5 Million

woman carrying a baby by the street during the day

Sai De Silva on Unsplash

You may or may not have a million dollars right now, but you might be able to give your family a million dollars by applying for a term life insurance policy. And it may not even cost you all that much.

At any 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. Invest in Blue-Chip Art (without needing lots of money)

graffiti of a man and woman character drinking

Jean-Philippe Delberghe on Unsplash

Millionaires understand the importance of diversifying their investments. The stock market is just one vehicle that can be used to potentially grow your money. Blue-chip artwork — a market that has outperformed the S&P by more than 250% from 2000 – 2018 — is another.

While blue-chip artwork has typically been reserved for the super-rich, Masterworks is a company that makes it easy for the average person to invest in art.

Sign up and you’ll get to invest your money in a portfolio that has been carefully curated by top professionals. Wait for Masterworks to sell your artwork in the coming years or elect to sell to other investors at any time.

You’ll pay only a small fee to invest with Masterworks, and in return, administrative costs, insurance, storage, and other features will be covered.

Request a free Masterworks membership today and start investing like the wealthy!

Click here to request a free membership.

3. Invest in the Stock Market Like a Tycoon (with Just $5)

mobile screen displaying amazon stock information

Austin Distel on Unsplash

There’s a reason why we sometimes assume that the stock market is for the wealthy—stocks can be expensive. You might not have the spare change to buy a whole share in some of your favorite companies, let alone multiple shares in each.

That all changes with Stash. Rather than needing thousands of dollars to invest, you need as little as $5. Because Stash allows you to invest in fractional shares, you can get pieces of well-known companies, such as Apple, Tesla, Amazon, and other well known companies.

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*.

What’s more, with a Stash banking account(*1), you can earn pieces of stock from top brands when you use the company’s Stock-Back® card(*2).

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

Click here to get your free $5, when you create and fund your account with $5.

4. Get Rid of Your Overpriced Auto Insurance, Find Out If It Can Be Much Cheaper in 2 Minutes

white car in a garage

Peter Broomfield on Unsplash

We’ve got bad news. You might be wasting at least $500 every year on overpriced, second-rate car insurance. And you should probably switch your existing insurance right now because there’s probably something much better.

Let Gabi tell you in a matter of minutes how much money you might save. Gabi users save an average of $961 per year. This site will compare 40+ insurance providers 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, Gabi can even help make the switch super easy. Gabi doesn’t even charge a fee!

See your rates now.

5. Travel More This Year (and try a Private Jet): take advantage of $1,000 in Promo Credits

man sitting on a private jet

Ondrej Bocek on Unsplash

We’ve all had a crazy past year, and we all are eager to travel more. Some of us still prefer keeping our distance from others.

It isn’t cheap but flying by private jet might be something you’re currently already doing or something on your bucket list.

Right now XO is offering $1,000 in promo credits towards flights.

Join XO global community with over 2,100 private aircraft, where you can instantly book an entire private charter or individual seat.

Sign up and get your free $1,000 promo credits towards flights before this deal is gone.

6. You Could Save Thousands on Your Mortgage With This Simple Move

beige bungalow house

Pixabay on Pexels

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.

7. Get Rid Of Credit Card Debt

person holding credit cards

Avery Evans on Unsplash

Credit cards often come with extremely high interest rates that keep users trapped in debt.

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 the Credible website for details)!

8. You Could Switch to a Cheaper Renters or Homeowners Insurance Policy in Minutes

inside of a kitchen

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When was the last time you checked your renters or homeowners insurance rates? You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With this website, you can get multiple quotes at once with very little effort. Here’s how it works — you provide a few details about your home and this insurance comparison site will find rates from various companies for you to compare in 2 minutes.

This service is free to use and could help you make the switch to a cheaper policy in minutes.

Click here to see your rates today and find out how much you could be saving on homeowners or renters insurance!

9. You Could Use Your Home to Get Access to Up to $250,000

brown house and driveway

Rowan Heuvel on Unsplash

Being a homeowner has its perks. One of the more overlooked opportunities is the ability to get access to money that can be used for all sorts of purposes — fixing up your home, paying medical bills, or funding a family vacation!

That’s exactly what you get with a HELOC (home equity line of credit). A HELOC is a low-interest loan that uses the equity in your home as collateral.

Figure is an online lender that could help you get up to $250,000 against the equity in your home.

Plus, they make the process incredibly easy. Their application is 100% online application and it takes only 5 minutes to fill out. If you’re approved, you could get your funds in as little as five days!

Learn more about Figure and how your can use your status as a homeowner to get the money you need!

10. Use This Free Bank Account to Get Paid 2 Days Earlier

aspiration debit card


A bank account is supposed to make things easier for you and help you save money.

Aspiration is an FDIC-insured bank account that will get you your paycheck up to 2 day earlier when you sign up for direct deposit. It takes 5 minutes and they’ll even give you $25 for setting it up.

What’s more, the bank account and debit card comes with no fees and even gives you 5% cashback from participating retailers on purchases.

They also have a 55,000 fee-free ATM network, which is more than Bank of America, Wells Fargo, and Chase combined.

Open an Aspiration bank account today in 2 minutes!

Make Money Moves Like a Millionaire

A millionaire who doesn’t know how to use their money doesn’t stay a millionaire for long. Similarly, your own journey towards wealth won’t be forged through poor financial decisions.

Instead, make these 10 money moves today and start seeing the world through the eyes of a millionaire.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures. 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.