Is there extra cash in the bank? Regardless of the amount, there are a lot of options out there. Some of the ones on the list don’t even require money to be spent, they might actually save money.

Like any financially savvy person, you should probably be doing something with that money that helps you.

We’re not wasting anymore of your time. Here are 7 things that could be make a big impact for the future.

1. 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.

And a professional money manager/advisor could do wonders for your financial and retirement future. Getting a second opinion from a pro certainly can’t hurt. A financial advisor could help you create long-term strategies for building wealth and managing risk. Even if you don’t need help picking investments, they can help you create a plan, maximize your Social Security, protect your assets and offer you peace of mind by ensuring you’re on the right track.

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.

The process only takes about a minute, and 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. Find out what advisors you’ll be matched with.

2. Get An Offer For Your Home Online Now (No Real Estate Agent Needed)

Have you been thinking about upgrading or downsizing or maybe cashing out? Maybe you’re just curious about how much money you can get for your home or want to move. Whatever the reason, did you know there’s a way you could receive a no obligation cash offer within 24 hours without any broker/agent, or any showings?

There is no obligation to sell and it’s completely free to check what your offer is: Offerpad could give you a competitive cash offer right now. Offerpad is only available in Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Nevada, North Carolina, and Texas.

All you need to do is fill in a 3-minute questionnaire. Just fill in some info and Offerpad will carefully evaluate your home with local market expertise. They’ll give you a free, no obligation cash offer within 24 hours.

If you choose to accept your offer, Offerpad will also provide you with free local moving to your next place. You can also pick your closing day, which could be in as little as 24 hours, or choose to extend your stay to live in your current home a little longer.

Find out what your home’s cash offer is in 3 minutes right now.

3. Try This Instead Of Using High Interest Credit Cards

If you want cash to do something like pay off debt, make a home improvement or borrow up to $500,000 for something else, you could use your home to take out a lower interest home equity loan instead of using a high interest credit card or other higher interest loan. You could use the cash for virtually anything you want and potentially save lots of money in interest payments.

Check your rates now right here with LendingTree in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

LendingTree is an online marketplace that could help you get a large sum of cash against the equity in your home quickly. It has been finding top loan options for Americans for more than 20 years.

4. Think About Potential Investments Outside of Stocks And Real Estate, There’s Another Asset that Has Outperformed

When you think about investing you probably think about stocks and real estate. You might think that investing in fine art by the likes of Banksy and Andy Warhol is only an option for the ultra-rich. But not anymore.

Masterworks is an investment platform designed specifically for investing in contemporary artwork.

Why? Because, like a fine wine, a piece of fine art can get better — and more valuable — with time.

Investors were able to collect a 15.4% net return after just 36 days, a triple-digit (325%) return on an annualized basis. And while it’s not common for Masterworks to exit so fast, investors have recently secured 14%, 27%, and even 35% annualized returns from other offerings. Get priority access to their new offerings, skip the waitlist and sign up with Masterworks today.

Masterworks is one of the first art investment platforms, and it’s available by invite only. It lets you bypass the hard parts of art collecting, so you can just enjoy the potential rewards.

Here’s how it works:

• The Masterworks research team watches the art markets to discover which types of works are going up in value.
• Then it sends out an acquisition team to snatch up a piece and offers shares to member investors.
• You select shares to buy (with no minimum investment), and Masterworks uses its proprietary data to help you tailor your portfolio based on your financial goals.
• You can earn money by selling your shares to other Masterworks users, or hold onto them and earn your share of the proceeds when Masterworks sells the piece.

5. Diversify Your Retirement Investments with Gold & Real Estate No Matter Your Income Level (Get Bigger Potential Returns)

Not planning for the future could literally be asking to fail. And nowadays there’s no excuse not to plan ahead with the internet making it easier than ever.

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 bond. Also people make the mistake of thinking they need huge sums of money to invest in these assets. With a self directed 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, and more.

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.

6. Help Protect Your Family By Leaving Them With Money, Get Up To $8,000,000 In Life Insurance Coverage (This Is Super Simple To Do Online Now)

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.

Life insurance is made fast, easy, and affordable with Ladder, a company that lets you apply online in minutes without leaving your couch (no medical exams for coverage up to $3,000,000) and get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $8,000,000.

You’ll simply answer a few health questions as part of the online application. Ladder has helped protect over 100,000 families and has provided over $65 billion in coverage.

Coverage is affordable through Ladder, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

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

7. Get Up To $50,000 To Pay Off Your Credit Card Bills (Damn We Hate High Interest)

Sky high interest rates are ridiculous and shameful to pay. Many people don’t know that they can get a personal loan to payoff their credit card bills.

Then all you have left is a potentially much lower interest personal loan to pay. You can have the money in as little as 24 hours to pay your credit card bills. Then you’ll start paying your lower interest personal loan instead.

You can use a personal loan for lots of other reasons as well, like for medical bills, home improvements, and much more. See your rates right now here, it takes 2 minutes.