Wealthy people in their 40s are always looking to make moves. These moves don’t need to be hard, they can be very simple, and still make a big impact.

Here are 6 moves that are open to everyone.

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

If you have a family, then this is a must because who would pay the bills 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 done 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. 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. Lock in a low rate now.

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.

3. Get Matched With A Top Financial Advisor With Ease (Not Just For The Super Rich)

If you have over $50,000 in your portfolio (it could be cash, stocks, bonds, or combination of all 3), then proceed to take the free retirement quiz and get matched with up to 3 financial advisors.

This quick and easy quiz from SmartAsset (a company that has been featured in the Wall Street Journal and Forbes) helps you connect with vetted fiduciary advisors and get a free, no-obligation consultation. Whether you’re nearing retirement or just starting to plan, expert guidance can make a big difference.

Managing a portfolio over $50k comes with real responsibility—and real opportunity. From optimizing your tax strategy to balancing growth and income needs, a professional advisor can help you make informed decisions that support your goals. The SmartAsset quiz takes just a few minutes and asks a few key questions about your financial situation, timeline, and preferences. Based on your answers, it matches you with advisors who are well-suited to guide your retirement planning.

There’s no cost to get matched or take the quiz, and the consultation with each advisor is completely free. This is your chance to gain clarity and confidence about your financial future—without pressure or obligation. Ready to take the next step toward retirement security? Click the right here and take the free quiz to get matched with up to 3 fiduciary financial advisors today.

4. Get Up to $5,000,000 In Funding To Grow Your Business (But You Must Have Over $50,000 In Annual Revenue & Have 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 can make use of extra funding to grow and make more money.

Check how much cash you can get with a few clicks on the Fundera website 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 will show you pre-approved offers from up to 20 funding options up to $5,000,000 in 2 minutes.

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

5. Use Your Home Equity To Access Up To $250,000 At A Lower Interest Rate

This is not available in Texas, New Hampshire, Missouri, or Virginia.

If you want to access $25,000 to $250,000 in cash for virtually any reason, you could use your home to get a home equity line of credit with Upstart instead of using a high interest credit card or other higher interest loan options. This could save you a ton of money in larger interest payments.

A home equity line of credit from Upstart 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 is a leading marketplace that has originated $42 billion for 3 million customers. Rates start at just 6.52% APR.

And you can check your rate now right here with Upstart in minutes and find out how much cash you could get.

*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.

6. Don’t Limit Your Retirement Account To Stocks And Bonds: Invest In Assets Like Real Estate, Gold, Cryptocurrency

One of the smartest moves you can make is opening a self-directed IRA (Investment Retirement Account), which allows you to diversify far beyond traditional stocks and bonds (normal retirement accounts don’t allow this). With a self-directed IRA through IRA Financial, you gain access to a broad range of alternative investments like real estate, precious metals, private equity, cryptocurrency, and more—all within a tax-advantaged account. This kind of diversification not only helps protect your retirement from market volatility but also gives you the freedom to invest in assets you know and trust.

IRA Financial provides a simple, transparent flat-fee structure with no hidden charges—an attractive feature for investors looking to maximize returns and minimize costs.

Since 2010, IRA Financial has helped more than 25,000 clients grow their retirement portfolios while keeping more of their money through tax-advantaged strategies. Their reputation is backed by top-tier recognition, including being named among the best self-directed IRAs of 2024 by Bankrate and Forbes Advisor. Whether you’re an experienced investor or just exploring alternatives, a self-directed IRA could be the move that brings greater control and growth potential to your retirement plan.

Find out if you qualify to open a self directed IRA right now right here in 60 seconds right here.

7. If You’re Self Employed (Freelancers or Business Owners) Get The Free Banking & Accounting Software Built For You

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 right here, 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. Sign up right here.

Found is a financial technology company, not a bank. Banking services are provided by Lead 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 Lead 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. Advanced, optional add-on bookkeeping software available with a Found Plus subscription. There are no monthly account maintenance fees, but transactional fees for wires, instant transfers, and ATM apply.