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9 Genius Money Moves to Make Before Age 40

Turning 40 is a major milestone. Ready to take on the next chapter of your life? If you’re feeling a little unsure about your financial situation, don’t sweat it – we’ve been there.

But what if we told you there are seven financial power-moves you should make right now to set yourself up for success?

From investing in your future to getting rid of dangerous debt, these strategies will have you feeling like a financial rock star before you blow out those 40 candles.

Not all these tips may work for you, but some of them will, so read them all.

1. Get a second set of expert eyes

To properly manage your money, work with a professional — it’s totally worth it. If you’re not doing this, you could be missing out on some serious financial gains.

A Vanguard study found that, on average, a hypothetical $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you work with a financial advisor. That’s twice as much!

If you’ve got at least $100,000 in investments, check out a free service called SmartAsset. You fill out a short questionnaire and instantly get matched with up to three vetted financial advisors in your area, all legally bound to work in your best interests.

Even if you don’t want help picking investments, an advisor can help lower your tax burden, create a comprehensive financial plan, maximize your Social Security, help with estate planning and making sure you’re on the right track. They can also be there in case one day, you’re not.

Using SmartAsset only takes a few minutes, and in many cases you’ll be offered a free consultation.

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

Please carefully review the methodologies employed in the Vanguard white paper, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.”

2. Leave your family $2 million richer

A tale of life insurance… Meet Aaron and Amy, a two-income couple raising a couple of kids.

One day it occurred to Amy: Our lives are great, but what if something happens to either or both of us? They needed both of their incomes just to stay afloat, much less achieve their financial goals, not the least of which is putting the kids through college.

Aaron and Amy started reading up on life insurance and discovered a solution that blew them away: 2-million-dollar life insurance policies start as low as $2/day*. That’s less than what they pay for their local lattes.

Amy and Aaron now sleep a lot easier, knowing that, if worse comes to worst, the family may not have to stress over bills, mortgages, or living expenses.

*This is a fictional anecdote. Ethos is an insurance provider seeking to help individuals over the age of 35 secure their future.

3. Don’t let your debt spiral out of control

Worrying about debt is probably the worst way you can spend your time, and paying interest and late fees is the worst way you can spend your money.

If you’ve got a problem, the sooner you deal with it, the better.

National Debt Relief is one of the most respected providers of debt relief in the U.S.

They’ve helped more than 500,000 people, are A+ rated by the Better Business Bureau and also are top-rated by Top Consumer Reviews, Top Ten Reviews, ConsumersAdvocate.org and ConsumerAffairs.

You simply fill out a form on the company website, then a debt coach will call you to learn more about your situation. If they can help you, they’ll set you up with an affordable plan that works for you — and give you an estimate of when you can expect to be debt-free. There’s no upfront fee and no obligation to get started.

National Debt Relief can help you with almost any unsecured debt, like credit cards, personal loans, medical bills, repossessions … even some student loan debt. Ready to start a new, happier chapter of your life? Don’t wait another minute. Check them out right now.

4. Earn more money without more risk

It’s this simple: If you’ve got savings in a traditional bank savings account, you’re throwing money away.

In just a few minutes, you could move those savings to a financial technology company, like Upgrade, and earn tons more interest with no additional risk.

Upgrade’s FDIC or NCUA-insured Premier Savings account is currently offering 5.21% Annual Percentage Yield (APY)– nearly 12 times the national average . And all you have to do to earn that high rate is maintain a minimum balance of $1,000.

If you move $100,000 from a low-interest account to Upgrade’s Premier Savings, you could earn an extra $5,000 every year. No additional risk, 5 grand more: All financial decisions should be this easy.

If you’re OK with earning basically nothing, go ahead and stick with your big bank. But if you want your money to work as hard for you as you do for it, make a move. Take a few minutes right now and check out Upgrade. You’ll be a little richer for it.

5. Don’t pay to fix your car

The cost of car repairs is skyrocketing. One shop told Consumer Reports that a decade ago, their average repair was $1,600. These days, the average bill is $4,000.

If you’re concerned about coming up with thousands of dollars for a repair bill, protect your investment with a CarShield auto warranty.

CarShield provides extended warranty plans of up to 24 months, and allows you to choose from at least six different plans, so you’ll only pay for the coverage you need. They cover cars up to 20 years old and offer flexible month-to-month plans so you’re not locked in for years.

CarShield has a network of thousands of ASE-certified repair shops, and they pay the repair bill. All you cover is the deductible. All their warranties include 24/7 roadside assistance and rental car benefits while your vehicle is being repaired.

ConsumerAffairs calls CarShield “a solid choice” for drivers of any age, and “particularly appealing” for those with older vehicles.

Take a minute right now and get a quote.

6. Use this secret source for discounts

Are you over 18? Then you’re eligible to save hundreds of dollars every year simply by joining AARP.

“What?” You say, “I thought AARP was for retired people.”

As it turns out, you don’t have to be 50 or older to join AARP. And members get discounts on hundreds of things, like:

  • Up to $200 per person off flights
  • Up to 30% off rental cars
  • Up to 15% off restaurants
  • Up to 20% off hotels

You’ll also save on eyeglasses, prescriptions, meal deliveries and lots more. And that’s not all. AARP offers a Fraud Watch Network, job listings, retirement planning tools, games, and tons of information, programs and resources.

Anyone trying to save money can’t afford not to join AARP, especially since the cost is as low as $12 per year with auto-renewal. You’ll likely recoup the cost in the first week. Click here and check it out.

7. Protect your ability to earn a paycheck

How long could you survive on savings alone? A month, maybe two? Disability can strike anyone, anytime. Lots of people have disability insurance through their job, but that’s typically short-term, rather than long-term.

Disability is something many Americans, especially younger people, think only affects the lives of others. Many serious medical conditions, such as cancer, mental illness and accidents can affect the young as much as the elderly. Since 1 in 4 people will become disabled before they retire, having disability insurance can be essential financial protection.

It protects your most valuable asset: your ability to earn a paycheck. If you’re disabled, it replaces a portion of your income. It will keep a roof over your head and food on the table.

Quality coverage can also be shockingly affordable, often less than a weekly dinner out. That’s peace of mind for pennies. Disability insurance gives you a vital income stream, so you can still pay the bills if you can’t earn a paycheck.

Don’t wait for something terrible to derail your life. Get a free, no-obligation quote in two minutes. Click now and secure your financial future!

8. Save $610 on your car insurance

If you’re like most Americans, you’re probably paying too much for car insurance. But shopping around for a better deal is such a hassle.

Well, it used to be.

Now you can just check out Provide Insurance, the largest online marketplace for insurance in the U.S. Provide Insurance lets you compare quotes from more than 175 different carriers in minutes.

All you have to do is answer a few questions about yourself and your driving history. Then Provide will show you the best options for your needs and budget.

You could save up to $610 a year on car insurance by using Provide. That’s money you could use for other things, like investing, saving or paying off debt.

Don’t let your current insurer overcharge you. Try Provide Insurance today and see how much you can save on car insurance.

9. Cash in on your gaming skills

Lots of companies let you earn money by filling out surveys, completing tasks, signing up for stuff or playing games.

But FreeCash is in a league of its own.

FreeCash boasts the fastest payouts (we’re talking instant!), with minimum withdrawals as low as $5. Plus, you can cash out with PayPal, crypto, gift cards — the choice is yours. FreeCash users have already earned more than $71,000,000!

So try FreeCash. It’s the fast, fun way to earn real cash. Don’t waste another minute — FreeCash is waiting!

Get smarter with your money!

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