Our millions of readers want to know what the most popular retirement moves are.

If you’re under the age of 65, there’s still time to make big moves. Try them before it’s too late.

1. Create Guaranteed Retirement Income For Life (For Those With At Least $50k In Savings)

Want to earn up to 10.5% interest for life? An annuity could do that. Most people earn income while working — but far fewer have a plan to guarantee it once they step away. Even a big nest egg can shrink fast when you have no paycheck coming in and years of expenses ahead of you.

So, what exactly is an annuity? It is one of the few tools that can guarantee you never outlive your money. You put in a lump sum (or payments over time), and an insurance company promises to pay you steady, reliable income at a guaranteed interest rate for the rest of your life — no matter how long you live.

With an annuity through Ethos, you can convert a portion of your savings into income that lasts as long as you do.

Annuities are built to deliver:
✔Reliable lifetime income
✔Certain annuities protect your principal and income from market swings.
✔Tax-deferred growth

Get started by answering a few questions right here to see how much income you can create.

2. Protect Your Family With Up To A 5,000,000 Life Insurance Policy (Free Quote in 2 Minutes)

Who would make the mortgage or rent payments if something where to happen to you? Today might be the best time to lock in life insurance. That’s because the longer you wait to get life insurance, the more expensive it becomes. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need if something were to happen to you.

The life insurance quote process is made fast, easy, and starts online with a life insurance sales agency that’s been doing this for more than 40 years, SelectQuote. You can start the quote process in minutes with, with same-day coverage options available (no medical exams, no blood tests) and personalized term life insurance options based on your family needs. Find up to $5,000,000 in same-day coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With SelectQuote, you’ll simply answer a few questions as part of the online quote process. SelectQuote has helped protect over 2 million families secure term life insurance and has provided over $700 billion in coverage.

Coverage is affordable through SelectQuote, term life insurance policies go higher or lower depending on factors like age, health, and coverage amount.

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

3. Borrow Cash From Your Home At A 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 New American Funding in minutes and find out how much cash you might be able to receive (up to 85% of the equity in your home).

New American Funding has over 300 branches across the United States and has helped hundreds of thousands of people buy a home or refinance their mortgage. It has funded over $70 billion in home loans since 2010.

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.

New American Funding could help you get the cash you need quickly using a home equity line of credit.

Check your rate for free right here.

New American Funding NMLS ID #6606 Equal Housing Opportunity

4. Don’t Limit Your Future To Investing To Stocks And Bonds: Invest In Assets Like Real Estate & Gold Tax Free

With a self-directed IRA, 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 your self directed IRA right now right here.

5. Business Owners: Get Up to $5,000,000 In Business Funding (Must Have Over $100k in Yearly Revenue)

Before retiring, your business should maximize its earnings potential. Most business owners can use more cash for working capital, payroll, expansion, purchasing inventory or equipment, acquisitions, or something else. Most businesses can make use of extra funding to grow and make more money.

You don’t need to think a lot about this because you can check how much cash is available to you with a few clicks on the NerdWallet Small Business Funding website right now. Just enter some basic info about your company and what you want the money for.

Over 85,000 companies have secured more than $2.5 billion through NerdWallet Small Business.

The service is free to use. It will show you pre-approved offers from up to 20 lending options up to $5,000,000 in 3 minutes. You can receive the funds in as little as 24 hours.

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

6. Get Up To $600,000 From Your Home Equity Without Moving & With No Monthly Payments

You don’t need to downsize to access a large amount of cash. There is a new way to access your home equity for cash without needing to move and without monthly payments. You can use that cash to fund retirement, pay off debt, home improvements, or anything you want.

Hometap might be the solution you’ve been looking for. Hometap invests in your home, giving you cash today, in exchange for a percentage share of your home’s future value. If you qualify, Hometap will give you up to $600k in cash quickly and flexibly.

The process is simple and straightforward. In exchange for its investment, Hometap will share in the upside or downside when you finally decide to sell your home and move out (up to 10 years later). If you decide you want to stay longer than 10 years, you can settle the agreement with Hometap at the end of the term without moving out through a cash payment or refinancing.

Get an estimate of how much cash you might be eligible for. See if you prequalify for a Hometap investment in 2 minutes. You can use the money however you’d like: make home improvements, fund a child’s education or your retirement, eliminate debt … it’s up to you.

2 Bonus Retirement Moves

1. Get Matched With A Financial Advisor Who Could Provide Expert Retirement Guidance

A financial advisor can make a world of difference for just about anyone. And you don’t need to be a billionaire to work with one. From investments, to tax planning, estate planning, retirement planning, and more.

Answer the short questionnaire right here, and the free service from SmartAsset will instantly match you with up to three fiduciary financial advisers, all legally bound to work in your best interest.

You’ll even get a free no obligation consultation. SmartAsset is successfully helping over 50,000+ individuals match with a financial advisor each month.

This has the potential to be hugely beneficial: It’s free to use the SmartAsset service, don’t let the opportunity pass you up. Answer the short questionnaire right here.

2. Check Your Mortgage Refinance Rates Online In Minutes

Interest rates are changing all the time. For a number of people it makes sense to see if mortgage refinancing can save them money.

By refinancing with New American Funding, you could potentially save thousands of dollars each year on your home payments. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

With New American Funding you get a 5 year rate protection pledge, which means if rates drop, you can refinance with no fees (terms apply). Check your rates now right here in minutes by answering a few questions and find out how much cash you might be able to get.

New American Funding has funded over $70 billion in home loans since 2010. They have over 300 branches across the United States and there is no minimum credit score to get approved with New American Funding.

Find out if a mortgage refinance can save you money  with New American Funding now by clicking right here!

New American Funding NMLS ID #6606 Equal Housing Opportunity