7 Moves 33 Year Olds Could Make Today For Their Future
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If you’re 33 you’re at the perfect point where it’s time to make some big money moves.
Making strong moves today could set you up for a bright bright future. Making dumb moves today or waiting and procrastinating, could set you up for failure.
Lets jump into 7 big moves that could be made right now.
1. Get Out Of Debt Faster, Try This
If you have debt, you know the ridiculous interest rates are like robbery.
And the truth is, companies you owe money too don’t really care. They are just getting rich by ripping you off with high interest rates — some with interest rates up to 36%.
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 consolidating your debt into one low monthly payment and help you lower your payments by up to 50%.
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.
There are zero fees until your debt is resolved, you might be debt free sooner than you expected. Just enter your debt amount, along with your information to find out if you qualify. It only takes 30 seconds right here.
2. Set Up A Really Good Retirement Account That Lets You Invest In Real Estate & Gold
Gold and real estate are some of the best ways to diversify a portfolio, but so many people are missing out because traditional retirements accounts only let someone invest in stocks and bonds. Also people make the mistake of thinking they need huge sums of money to invest in these assets. Traditional IRAs also don’t let you invest into things like crypto or art. With an Equity Trust IRA (IRA stands for Individual retirement account) anyone can now set up a retirement account that allows them to invest in gold, real estate, crypto, and more, while getting the tax advantages of a retirement account.
Equity Trust has been in business for more than 45 years, and has over $39 billion in retirement assets under custody and administration. They have over 400 client-focused associates that are there to provide dedicated, personalized service whenever someone needs it.
Simply start by requesting your free self-directed IRA success kit from Equity Trust, it contains useful information. Then (or whenever you’re ready), set up a free no obligation phone call with one of the Equity Trust associates that can help you set up your Equity Trust IRA account if you choose to do so.
3. Help Protect Your Family By Leaving Them With Up To $5,000,000 (This Should Be A No Brainer)
We hate to think about it, but who would make the mortgage or rent payments 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 and lock in a lower price.
Life insurance is made fast, easy, and affordable with Fabric by Gerber Life, a company that lets you apply online in minutes without leaving your couch. Most applicants do not require a medical exam. If it is required, it would be at no cost to you and entails a trained professional working around your schedule to meet you conveniently at home or work. Get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $5,000,000.
You’ll simply answer a few health questions as part of the online application. Fabric by Gerber Life can give parents coverage that is affordable, plus wills, access to college savings funds, and more tools to help protect your family’s financial future—all in an easy online experience. It’s the digital convenience of Fabric, now partnered with a brand trusted by millions of families like yours for more than 50 years.
Policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in under 10 minutes. You’ll simply have to answer a few health questions as part of the online application.
Start your application. You could be covered in less than 10 minutes, and help ensure your family’s financial future is secure.
4. Get A Top Financial Advisor To Help You Reach Your Money Goals (This Is Not Just For Wealthy People)
There is no better time to plan for your financial and retirement future than today.
If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, WiserAdvisor. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.
Getting a second opinion from a professional can’t hurt, a professional money manager/financial advisor could do wonders for your financial and retirement future. A financial advisor could help you create long-term strategies for building wealth and managing risk. They can help picking investments, they can help you create a financial plan, help with tax planning, protect your assets and offer you peace of mind by ensuring you’re on the right track.
Answering the questionnaire with WiserAdvisor takes less than 2 minutes, and in most cases you’ll be offered a free consultation. WiserAdvisor is an independent matching service that helps individuals find the best financial advisor for their unique needs. They have successfully helped over 100,000+ individuals like you find their ideal financial advisor since 1998.
The best advisors will work with you, as a partner, to make a game plan that puts you on track to achieve your financial goals and retirement dreams.
This has the potential to be hugely beneficial: Take a minute to fill out the short questionnaire now.
5. Get Up To $50,000 To Pay Off Your Credit Card Debt
Credit card companies make lots of money charging their customers high interest, you do not need to be one of them.
Did you know you could get out of this debt spiral by using a personal loan to pay off your credit card debt? That’s because personal loans typically have a lower interest rate than a credit card.
LendingTree makes it super easy to see multiple options in one place, and apply for a personal loan in minutes online. Personal loans with LendingTree start at 6.99% APY, that could be a huge saving versus what credit card interest rates charge you. You’ll then be able to choose which personal loan is right for you, you can then get your credit card debt paid off as early as one business day.
It’s common that someone takes out a personal loan to pay off their credit card debt, and then begins paying off the lower interest personal loan.
You can also use a personal loan to pay off other types of debt, fund a vacation, or really anything you want.
6. Replace Your Student Loan and Get a $300 Bonus in the Process
Remember when we didn’t need to pay our student loan bills? Yea, well those days are over. If you’re neck-deep in student loan debt, like many Americans are, you might want to consider refinancing — replacing your current loan(s) with one that has better terms or a lower interest rate.
This move could potentially save you thousands, and Credible is an online student loan refinance marketplace that will help you find and compare up to 10 options in two minutes — for free. Not to mention, you’ll earn up to a $300 bonus after closing out your refinance.
Fill out the company’s simple form, and you’ll be matched with prequalified offers from top lenders. This check is completely free and your credit score won’t even be affected!
7. Refinance Your Auto Loan For Better Terms And/Or Better Rates
You might have financed the car, but you’re not stuck with the current loan.
You could refinance your auto loan for one that has a better rate and/or better terms, and you could see if it’s worth while in 2 minutes online now.
With LendingTree, you can see multiple auto loan refinance options in one place.
Go ahead see if it can save you big bucks right here.
8. Get A Credit Card that Will Give You Cashback Toward Your Student Loans
Student loans are a big pain in the you know what for most Americans, so every dollar of help is welcomes.
Laurel Road offers a student loan cashback credit card that will give you 2% cashback right toward your student loans on all the purchases you make with it.
It takes just a few minutes to apply right now.
There is no interest for the first 12 months on balance transfers made in the first 60 days.
Take advantage of their $0 annual fee. Plus, no foreign transaction fees. 2% cashback towards eligible student loans, 1% cashback towards anything else.
The first card that lets you redeem cashback with 95% of student loan servicers. Apply right here.