Raising kids is hard! Raising kids is also expensive! Especially when they’re under 18 and they 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 5 top items that can help parents, save, protect, and get more cash.

1. Help Protect Your Family By Leaving Them Up To $8,000,000 By Doing This

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.

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 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.

2. Get A Top Financial Advisor To Help You Manage Your Money (And Set You Up For Retirement)

There is no better time to plan for the financial future of your family than right now (especially with the current economy).

A professional money manager/advisor could do wonders for your financial and retirement future. If you have a portfolio size of over $50,000 (it could be a combination of cash, stock, or other assets) getting a second opinion from a pro certainly can’t hurt. 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.

These days, there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, Wiser Advisor. 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 a few minutes, and in many cases you’ll be offered a free consultation.

Nothing to lose, lots to potentially gain: Take a minute and check it out right now.

3. Get A Cash Offer For Your Home In 3 Minutes (Without A Real Estate Agent)

Thinking about upgrading or downsizing your home? Why wait. 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 cash offer within 24 hours without any broker/agent, or any showings?

Offerpad could give you a competitive cash offer right now. Offerpad is only available in Alabama, Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Nevada, North Carolina, Ohio, South Carolina, Tennessee, 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.

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.

4. Turn Some Of Your Home Equity Into A Lot Of Cash (Without Paying Sky High Interest Rates)

If you’re in need of cash to do something like pay off debt, make a home improvement or make any other kind of large purchase, 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 in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

A home equity loan allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral you usually can get much better interest rates than other loans or using a credit card. You receive the money from a home equity loan as a lump sum, and you pay back the loan in monthly payments.

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.

5. Unleash The Power Of Your Retirement Account with Private Market Investments (And Set Yourself Up For Retirement)

Does your retirement account have all the diversification it needs? Did you know that most IRA accounts only let you invest in stocks, bonds, and mutual funds?

Well you don’t need to be limited anymore. With a self directed Equity Trust IRA you can now turn your retirement account up a notch by investing in private markets investments like real estate, promissory notes, private equity, precious metals, digital assets, and more!

Discover your potential as an investor by maximizing the power and possibilities of your retirement account.

Equity Trust has $34 billion in assets under custody.

Request your free self-directed IRA success kit from Equity Trust and learn how to jump-start your wealth building. Then set up a free no obligation 15 minute phone call with one of the Equity Trust expert alternative investing counselors to learn more.