6 Retirement Moves For People In Their 40s

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The faster you make these retirement moves, the better the future will look for you and your family.

1. Protect Your Family With Up To A 3,000,000 Life Insurance Policy (This Is A No Brainer & As Little As $1 A Day!)

If you have a family, then this is a must. Take 2 minutes right now to get a free quote because what would happen if something were to happen to you? An extra $3,000,000 (or whatever coverage you choose) could go a very long way for your family. Even if you have life insurance, you are allowed to have a second policy.

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 in your 40s 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.

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 $3,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

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 2 minutes right now.

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

2. Get A Top Financial Advisor (Not Just For The Super Rich)

Working with the right financial advisor could make a world of different. And this isn’t just for the super rich.

You deserve a top money manager to get guidance and a second opinion from. Instead of wasting hours searching or guessing who to trust, this smart platform connects you with vetted, fiduciary financial advisors based on your goals, location, and budget. Whether you’re planning for retirement, growing your savings, or just getting started, AdviserMatch pairs you with someone who understands your financial needs — no sales pitches, just real advice.

AdviserMatch has already matched thousands of people just like you.

Personalized Matches: Answer a few quick questions and get matched with the right advisors for your situation.
Transparent & Independent: AdviserMatch only works with licensed professionals who act in your best interest.
Free & Fast: Get connected within minutes — it’s 100% free to find your match.

Visit AdviserMatch right here to start building your financial future with confidence.

3. Use Your Home To Borrow Up To $250,000 Cash At A Much Lower Interest Rate

If you’re in need of cash to do something like consolidating debt, making an improvement to your home or making a large purchase, you could use your home to get a home equity line of credit instead of using a high interest credit card or other higher interest loans. You could use the cash for almost anything and potentially save money in interest payments.

Check your rates now right here with Upstart in 2 minutes and find out how much cash you might be able to receive (ranging from $26,000 – $250,000*).

A home equity line of credit allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral, a home equity line of credit will usually provide you with better interest rates than unsecured loans or credit cards. You can borrow money from your home equity line of credit as needed up to your credit limit, and pay it back in monthly payments.

Upstart could help you get the cash you need quickly using a home equity line of credit. Check right here.

*Upstart Mortgage offers HELOCs from $26K-$250K. The exact amount you may borrow depends on what you qualify for based on your application information.
All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873.

4. Get Up to $5,000,000 In Funding To Grow Your Business & Make More Money (Must Have Over $50k+ In Annual Revenue & Over 1 Year In Business)

Think you could use more funding for payroll, expansion, working capital, equipment, or something else? Most businesses can make use of extra cash to make more money.

It takes just 2 minutes by answering a few questions to see funding options with Fundera.

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 good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera. The Fundera service is free to use and there’s no impact to your credit score.

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

5. If You’re Self Employed In Any Way, Like Own A Business Or Have A side Hustle, This Free Accounting Software and Business Bank Account Will Make Life Easier

Managing your finances can be a big task when you are your own boss. But, fortunately there’s a company that has built an all-in-one banking solution for the self-employed. A company called 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, Lead 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? See why 500,000 customers have chosen Found. Sign up for an account here for free in under 5 minutes. Click “Get started” right here to start the sign-up process.

6. Invest In Gold As A Way To Protect Your Retirement Savings

Gold has been a great proven rising asset. And if you’re in your 40s looking at retirement in the distant future, now would be a good idea to add some gold to your portfolio.

One increasingly popular strategy is adding gold and silver—inside a tax-advantaged retirement account. Imagine if you would have invested in gold and silver as it has skyrocketed in price with an account that lets you compound without taxes. Why wait anymore?

Goldco, one of the most trusted names in the industry (over 1,600 five-star reviews and an A+ rating), has created a FREE 2026 Retirement Protection Guide that explains how people are shielding their savings from volatility and inflation using gold.

The kit is free and includes a printed guide, audio guide, and video guide — shipped to your home at no cost.

Get your FREE 2026 Retirement Protection Guide right here. Learn how Americans are protecting their retirement savings today by using gold.