Your 40s is an exciting time: a blend of wisdom from years of experience, and the ability to use that knowledge in the years ahead.

From business to personal life, these moves can be helpful now.

You know how challenging being a business owner is. But you also know how rewarding it is.

We’ve put together this list moves for business owners in their 40s, that want to take things to the next level!

1. Business Owners Need This Banking & Accounting Software

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up, with no credit check, no minimum balance, and no required monthly fees. Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Business bank account, debit card, no credit check, no minimum balance, and no required monthly fees. Free to sign up.
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found (Schedule C filers only)
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required monthly fees.

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted. Found’s core features are free. Found also offers an optional paid product, Found Plus for $19.99 / month or $149.99 / year.

2. Get Up to $5,000,000 In Funding For Your Company & Make More Money (Must Have Over $50,000 In Annual Revenue & Been In Business At Least 1 Year)

Think you could make use of more cash for working capital and payroll, expansion, purchasing inventory or equipment, acquisitions, or something else? Most businesses would say hell yes they can make use of extra cash to grow and make more money.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue, then you’ve got a great chance of getting funding. It takes just 2 minutes (with no impact to your credit score) to check how much cash you can get with Fundera by Nerdwallet right now. Just enter some basic info about your company.

Over 85,000 companies have secured more than $2.5 billion through Fundera. The Fundera service is free to use.

Fundera could help your business get to the next level. Just answer a few questions about your business and Fundera will show you pre-approved offers from up to 20 funding options up to $5,000,000 in 2 minutes, so you can choose what’s best for you.

See all your business loan options now. Find out right now how much funding Fundera might get your business.

3. Protect Your Family With Up To A 2,000,000 Life Insurance Policy (This Is A Must & As Low As $1 A Day!)

If there’s one thing on your list of things to do today, do this. We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? An extra $2,000,000 (or whatever coverage you choose) could go a very long way for your family.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $2,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, 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 Ethos today and help ensure your family’s financial future is secure.

4. Plan For Life After Work (For Those With $50,000 Or More In Assets, Such As Cash, Stocks, Bonds, Or Other Assets)

The smartest thing you can do for your future is plan. Starting right now could lead to an amazing outcome. Failing to plan can lead you know where.

Do you have someone helping you with investments, tax planning, retirement planning? Why not? Financial advisors can help with that and so much more.

A study published by the research center CIRANO found that households that engaged with financial advisors for a period of 15 years or longer accumulated 290% more assets than those who didn’t consult with financial advisors. And it’s not hard to get an expert on your side, it’s not just for the ultra wealthy.

Check out the free service from SmartAsset. Start by taking the retirement quiz right here from SmartAsset that takes a few minutes and that will match you with up to 3 financial advisors.

Why not try it? Nothing to lose, and lots to potentially gain. Take the retirement quiz right here, and get matched for free now.

5. Get Working Capital For Your Business Quickly, With This Flex Business Card (You must have at least $20,000 in monthly cash flow to get approved. Cash flow refers to the movement of cash in and out of a business, including revenues, expenses, investments, and financing activities.)

Here’s the newest way to do the oldest thing in business: access working capital on demand.

With its powerful flex line, the Revenued Business Card offers an immediate form of revenue-based financing.

Business owners can use the funds as much or as little as it sees fit. Apply and receive a funding decision in as little as an hour with their secure online application. You’ll receive a login and be able to access your funds within 24 hours.

Revenued has an impressive Trustscore of 4.7 out of 5 stars with over 800 reviews. It has an A+ BBB rating.

It has provided over $4 billion in financing. Find out why it has more than 10k members.

Their 5-star team is here to help. Once approved, you’ll receive a dedicated Account Manager to help you make the most of being a Revenued accountholder.

Apply for the Revenued card right here.

6. Get The Phone system Built For The Modern Business (Free Trial)

Make and receive business calls using your desktop, web browser, or smartphone. And pricing starts at just $19 per month, but don’t worry we’ve got you a free trial to test it out right here.

There are more than 100,000+ businesses served by Talkroute.

You’ll be able to send and receive text messages using your business numbers as well.

Bring your customers and team together with easy-to-use video meetings.

Your voicemail will be available everywhere you’d like: email, browser, and the Talkroute app.

You can customize every feature of your phone system.

What are you waiting for, start the free trial right here.