Author: Moneywise

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

Although he hit the jackpot with a massive $255 million contract in 2023, Philadelphia Eagles quarterback Jalen Hurts still lives like a humble college student. He rents an apartment in Cherry Hill, New Jersey, for just $2,000 a month, according to a report from The Sun.

“I didn’t buy a house or anything like that when I got drafted because it was just me,” the superstar told GQ in a 2021 interview. "I didn’t need this big place just for myself. I just got myself a little apartment. You know, something smooth that’ll last me for the time being."

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• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

Hurts’ intentional choice to rent a bachelor pad rather than splurge on a luxury penthouse or sprawling mansion is a standout example of financial discipline and living within one’s means.

Here’s how a similar approach could help you chart a path to financial freedom.

Needs-based budgeting

Given that each NFL season lasts for just 18 weeks, athletes like Hurts don’t necessarily need to purchase property near their workplace. His deliberate decision to rent is an example of needs-based budgeting.

According to the University of Pennsylvania, this budgeting technique focuses on securing essential spending needs first before moving onto saving, investing and indulging in luxuries.

Financial experts usually recommend spending no more than 30% of your gross income on housing and no more than 15% for car payments. Applying these limits while making purchase decisions could help you live within your means.

With Monarch Money, you can track your spending down to the last penny — allowing you to budget more efficiently.

The app syncs all your accounts and categorizes your transactions automatically, and its net worth tracker displays all your assets and liabilities at one glance. This way, you can get a snapshot of your finances in one place, so you know where your money is and where it’s going all the time.

You can get a two-week free trial and up to 50% off for the first year when you sign up.

With your needs secured, you can turn your attention to saving and investing to achieve financial freedom as rapidly as possible.

You can save while you spend by investing spare change from everyday purchases with Acorns. All you have to do is link your bank account and credit cards, and Acorns will round up every purchase you make to the nearest dollar and invest the excess in a diversified portfolio of ETFs.

For instance, when you buy a coffee for $4.55, Acorns will automatically round up the transaction to $5, and deposit the 45-cent difference into a smart investment portfolio. Just $2.50 worth of daily round ups can add up to over $900 a year — and that’s before it earns money in the market.

Sign up today and get a $20 bonus investment.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Long-term investing

Although Hurts rents during the football season, he’s an active real estate investor off-season.

He purchased a $215,000 home in his hometown of Humble, Texas, for his father before purchasing another property for his mother in Houston, according to the NY Post. The MVP also owns a $6 million 6,000-square-foot residence in Texas along with the unit next door which cost another $2.68 million.

While he’s still at the top of his game, this extensive real estate portfolio could serve as a long-term financial safety net for the superstar athlete should he ever need it. Investing in real estate also offers diversification benefits, allowing investors to somewhat hedge their portfolios against market downturns.

New investing platforms are making it easier than ever to tap into the real estate market.

For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

With risk-adjusted internal returns ranging from 14% to 17%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

Other ways to invest

Setting aside a portion of your income for investing in stocks and bonds can help you secure your financial future. In fact, stock market investments have historically proved to be more lucrative than real estate — the S&P 500 index has returned roughly 10% per year on average, outperforming the residential real estate sector’s 4%-8% gains.

Legendary investor Warren Buffett is also a fan of low-cost index funds, saying they make “the most sense practically all of the time.”

Wealthfront is a robo-advisory platform that allows investors to automatically invest in personalized portfolios of index funds and ETFs.

You can also customize your portfolio further by investing in individual stocks. Wealthfront uses modern portfolio theory to automate asset allocation — rebalancing your portfolio and diversifying your deposits in a tax-efficient manner.

Plus, Wealthfront doesn’t charge fees or commissions on individual trades, but rather a flat 0.25% management fee every year. You can get started with just $1.

If you’re looking for ways to diversify your portfolio outside of the stock market, you might consider investing directly in precious metals.

One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

To learn more, you can get a free information guide i that includes details on how to get up to $10,000 in free silver on qualifying purchases.

Speak to a professional

Whether you’re just embarking on your investment journey or have already built a sizable portfolio, speaking to a financial advisor can help you understand if you’re on the right track.

Especially now – with the markets reacting to President Trump’s tariffs – you might want to connect with an expert for advice on how to hedge your portfolio.

Finding a financial advisor that suits your specific needs and financial goals is simple with Vanguard.

Vanguard’s hybrid advisory system combines advice from professional advisers and automated portfolio management to make sure your investments are working to achieve your financial goals.

All you have to do is fill out a brief questionnaire about your financial goals, and Vanguard’s advisers will help you set a tailored plan, and stick to it.

Once you’re set, you can sit back as Vanguard’s advisors manage your portfolio. Because they’re fiduciaries, they don’t earn commissions, so you can trust that the advice you’re getting is unbiased.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

If you’re planning on putting your feet up by the coast and sipping margaritas in your golden years, make sure you’ve got the funds for it. These days, even a seven-figure net worth may not be enough to pay for the retirement of your dreams.

More than a third of millionaires say it “will take a miracle” to retire securely, according to a survey from Natixis Investment Managers.

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• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

About 58% expect they’ll have to keep working longer, while 36% worry that retirement may not even be an option.

But it’s never too late to get your retirement savings in fighting form with these three steps to catch up on saving and help secure your retirement.

Start by paying down your debt

Before you bolster your retirement savings you’ll want to get any debt cleared.

Paying down your debt can open the door to the lifelong contributions needed to achieve your financial goals and secure your retirement. However, this can take up a lot of time, which can cut into your ceiling of life-time savings.

With home values higher than ever, you can make your home work harder for you by making the most of your equity. The average homeowner sits on roughly $311,000 in equity as of the third quarter of 2024, according to CoreLogic.

Rates on HELOCs and home equity loans are typically lower than APRs on credit cards and personal loans, making it an appealing option for homeowners with substantial equity.

Unlock great low rates in minutes by shopping around. You can compare real loan rates offered by different lenders side-by-side through LendingTree.

Just answer a few simple questions, and LendingTree will match you with up to 5 lenders with low rates today. Terms and Conditions apply.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Find an advisor to get expert financial advice

When it comes to retirement it’s important to remember that you don’t have to do it all on your own. Setting yourself up for your golden years is already nerve-racking enough — especially with rising market uncertainty and recession fears.

Finding a financial advisor that suits your specific needs and financial goals is simple with Vanguard.

Vanguard’s hybrid advisory system combines advice from professional advisers and automated portfolio management to make sure your investments are working to achieve your financial goals.

With a minimum portfolio size of $50,000, this service is best for clients who already have a nest egg built and would like to try to grow their wealth with a variety of different investments. All you have to do is set up a consultation with a Vanguard advisor, and they will help you set a tailored plan and stick to it.

Ramp up and earn passive income

Creating a diversified portfolio with assets that traditionally fare well over economic cycles is a great way to boost your retirement fund.

Real estate is known to yield steady returns while diversifying your portfolio. However, investing in real estate as an asset class has been out of reach for the average investor.

New investing platforms are making it easier than ever to tap into the real estate market.

For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

And then there’s commercial real estate. For years, direct access to the $22.5 trillion commercial real estate sector has been limited to a select group of elite investors — until now.

First National Realty Partners (FNRP) allows accredited investors to diversify their portfolio through grocery-anchored commercial properties, without taking on the responsibilities of being a landlord.

With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

Another way to diversify your portfolio is through alternative assets like art, which has a low correlation with stocks and bonds.

But it’s not without drawbacks: fine art is an illiquid, high-risk asset whose value can be influenced by shifting tastes, trends and the art world’s inner circle. It also requires proper storage, insurance and care — adding to the cost and complexity.

Investing in art was traditionally a privilege reserved for the ultra-wealthy.

Now, that’s changed with Masterworks — a platform for investing in shares of blue-chip artwork by renowned artists, including Pablo Picasso, Jean-Michel Basquiat and Banksy. They charge a 1.5% annual management fee and receive 20% of the profit when a painting sells.

The platform is easy to use , and there have been 23 successful exits to date that have distributed roughly $61 million back to investors. See important Regulation A disclosures at Masterworks.com/cd

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

Cam Newton, once one of the NFL’s most electrifying quarterbacks, is now tackling a challenge far off the field: the struggle of losing income.

At 35, Newton’s days as a professional athlete are behind him. After his one-year, $6 million contract with the Carolina Panthers expired in 2021, he officially stepped away from the game. Now, the former football star is candid about the financial realities of life after fame.

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• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

“Being in the NFL, everyone knows there’s a large sum of money that comes to you in a short span of time and being away from the game for three years, those checks don’t come in the same,” he said in a recent episode of Special Forces.

Newton admitted that the sudden drop in earnings has made it difficult for him to feel like “Superman” to his eight children.

“It hurts me knowing that I can’t provide like I once did,” the former pivot wrote on Instagram.

In a dynamic and volatile economy, it’s not just entrepreneurs and professional athletes who face sudden fluctuations in income — ordinary workers are struggling too.

Unpredictable job market

Elon Musk, a senior advisor to President Donald Trump and the head of DOGE, pledged to cut $2 trillion in federal spending.

This has resulted in 275,240 layoffs in both the federal and private sectors in March, with more underway. The United Parcel Service is slated to lay off roughly 20,000 employees. Meanwhile the Veterans Affairs Department may lay off nearly 80,000 people by August in a return to 2019 staffing numbers.

This marks the second-largest number of layoffs in the U.S., after the pandemic-driven shut downs in March 2020 when over a million people lost their jobs due to the global shutdown.

In this difficult job market, many laid-off white-collar workers have struggled to replace their salaries and have settled for lower pay, according to Business Insider. Like Newton, many now face hard choices and uncomfortable adjustments to their lifestyle.

If you’re facing or preparing for a sudden dip in income, here’s how you can bolster your finances.

Minimize debt

American households collectively carried an all-time high of $1.21 trillion in credit card debt at the end of 2024, according to a report from the Federal Reserve Bank of New York.

This means many households may need to examine their credit card debt if their income drops, as these liabilities could quickly become unsustainable. Credit card debt is notorious for having exorbitantly high interest rates. For example, the average rate on credit cards is 20%, according to the Federal Reserve of New York.

With home values higher than ever, you can make your home work harder for you by making the most of your equity. The average homeowner sits on roughly $311,000 in equity as of the third quarter of 2024, according to CoreLogic.

Rates on HELOCs and home equity loans  are typically lower than APRs on credit cards and personal loans, making it an appealing option for homeowners with substantial equity.

Unlock great low rates in minutes by shopping around. You can compare real loan rates offered by different lenders side-by-side through LendingTree.

Just answer a few simple questions, and LendingTree will match you with up to 5 lenders with low rates today.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Maximize emergency savings

After tackling debt, the next step is to focus on expenses.

Frequent vacations, eating out and shopping sprees may no longer be affordable. Here, Dave Ramsey’s famous “beans and rice” approach can help to pay off debt rapidly and start accumulating savings. Temporarily scaling back to a bare-bones “beans and rice” budget can give you space to develop the emergency funds you need. .

As a rule of thumb, you should have at least three to six months worth of expenses in your emergency fund. With the probability of the unemployment rate rising higher over the next year increased to 44% — the highest level since April 2020 — planning ahead can help you avert financial strain.

If you want to leverage your fund immediately, you can earn 4.00% APY on your emergency savings by opening a Wealthfront Cash account. This rate is 10 times higher than the national average of 0.41%. Plus, you don’t have to pay any account fees and can enjoy unlimited transfers and 24/7 withdrawals.

You can also get your paycheck two days in advance if you register for direct deposit on your Wealthfront account. That could boost your interest income by up to 14% annually, assuming you receive biweekly paychecks.

You can open a Wealthfront Cash account within minutes with just $1.

Fund your account with $500 or more to get a $30 bonus with Wealthfront Cash.

You can also check out Moneywise’s best high-yield savings accounts list of 2025 to find options that offer up to 4.50% APY.

Set aside a fixed amount per month to continue investing

Whether you’re an entrepreneur or an employee, it pays to set aside a little money each month for investing. Passive income from saving regularly can help you stay afloat if your career takes an unexpected turn.

You don’t need to invest millions of dollars in order to boost your wealth. Investing a small portion of your paycheck each month can make a huge difference, thanks to compound interest.

For instance, investing $50 each week for 20 years amounts to $128,276, assuming it compounds at 8% annually. The next step is choosing where to invest. Historically, the S&P 500 has delivered impressive average annual returns of 10.33%.

You can start your investment journey by investing your spare change from everyday purchases with Acorns.

Acorns rounds up your everyday spending to the nearest dollar, and invests the rest in low-cost diversified ETFs. So, your $4.25 morning coffee becomes a 75-cent investment in your future.

If you want to take it one step further, you can invest a larger proportion of your paycheck in a low-cost S&P 500 ETF with Acorns.

The best part? You can get a $20 bonus investment when you sign up.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

Announcing your retirement a few months in advance is often considered a courtesy to your company. Not only does it give your employer time to manage the transition and hire a replacement, but it also gives you plenty of time to get your personal finances in order.

But what happens if, shortly after you announce your retirement, your employer decides to show you the door ahead of your official end date?

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• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

If you’ve already announced your retirement, it can be a frustrating and disorienting experience to suddenly get fired after years of service. It’s also natural to wonder if your employer is breaking the law.

Can an employer fire you after you announce your retirement?

Surprising as it may sound, your employer is not typically under any legal obligation to let you keep working once you’ve announced your plans to retire.

That’s because most states have at-will employment laws. An at-will employee can be fired at any time for any reason and without warning — no “just cause” required.

But you may have some legal recourse if you have evidence that your employer fired you to stop your pension from “vesting” or as a direct result of age discrimination. These would violate the Age Discrimination in Employment Act (ADEA) and Employee Retirement Income Security Act (ERISA), and you may have a case on your hands.

What should you do if you’re forced into retirement early?

You have a few options if you’re terminated before your official retirement date.

Your company may offer severance pay as a way to get you to waive your right to file certain lawsuits against your former employer. Aim to negotiate the fairest possible severance package, including asking for your employer to continue subsidizing your health coverage.

To know where you stand, you may want to consider talking with a financial advisor to understand how being let go will impact your retirement plans. And if you have the finances to support an early retirement, a financial advisor can help you plan for your golden years.

Finding a financial advisor that suits your specific needs and financial goals is simple with Vanguard.

Vanguard’s hybrid advisory system combines advice from professional advisers and automated portfolio management to make sure your investments are working to achieve your financial goals.

With a minimum portfolio size of $50,000, this service is best for clients who already have a nest egg built and would like to try to grow their wealth with a variety of different investments. All you have to do is set up a consultation with a Vanguard advisor, and they will help you set a tailored plan and stick to it.

Make sure to budget for health care expenses in case you decide to retire early. An average 65-year-old is estimated to need roughly $165,000 to cover health care expenses through retirement, according to the 2024 Fidelity Retiree Health Care Cost Estimate.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

If your employer isn’t subsidizing health insurance, you may be able to keep your employer-based coverage under the federal law known as COBRA, for a period of time.

That said, doing so may be expensive as you’d have to fork over money for full premiums without your employer contributing to monthly payments. You can look to reduce this bill by opting for private third-party insurance.

For those under the age of 65, U65 Health Insurance lets you compare policies offered by reputable providers near you for free.

You can shop around and compare policy premium rates and features from leading insurers like Anthem, Oscar Health and Aetna within minutes.

Get started and find the right coverage for you in under five minutes.

If you’re already over the age of 65, consider signing up for Medicare if you haven’t done so already. Keep in mind that there are some big changes coming to Medicare in 2025 that you may want to look into.

Prepare your finances for this scenario

By being proactive, you can hopefully ensure that your employer’s decision to force your early departure doesn’t derail your retirement goals.

Creating a financial buffer can help you weather this challenging time without compromising your lifestyle or taking on additional debt. You may want to invest in safe-haven assets like gold, which tends to deliver stable returns over time, while hedging your portfolio against inflation and recession risks.

You can open a gold IRA with the help of Thor Metals. This allows you to combine the inflation-resistant properties of gold with the tax advantages of a self-directed IRA.

You can book a free private consultation with specialists at Thor Metals to understand how this type of investment could help support your portfolio in times of volatility.

The best part? You can get up to $20,000 worth of precious metals when you make a qualifying purchase with Thor Metals — plus a free wealth preservation guide on sign up.

But make sure not to keep all your eggs in one basket. If all your money is tied up in stocks or precious metals, an emergency expense might force a withdrawal during market downturns or drive you into debt.

If you don’t have a consistent source of income, financial experts recommend keeping at least 12 to 18 months worth of expenses in your emergency fund.

“While saving adequately for retirement is crucial, an emergency fund ensures income stability no matter what comes — health issues, home repairs or market drops,” said Marty Burbank, founder of OC Elder Law.

“Retirees can’t predict future costs or market changes, but an emergency fund helps ensure financial security to fully enjoy retirement,” Burbank added further.

Keeping your emergency fund in a high-yield savings account can help ensure your money remains accessible while earning interest.

Check out Moneywise’s list of best high-yield savings accounts of 2025 to compare options that earn up to 10 times the national average in interest.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

For many people, the only way to afford a home is to finance it with a mortgage and pay off that loan over time.

During the first quarter of 2025, the median U.S. home sale price was $503,800, according to Federal Reserve Economic Data. Given that median annual wages were just $61,984 during the last quarter of 2024, it’s easy to see why the typical working American can barely afford a down payment on a home today, let alone the entire cost in one fell swoop.

Don’t miss

• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

But uber-wealthy folks are in a different position. Those with billions of dollars to their name can buy a home outright rather than take out a loan.

Yet celebrities like Mark Zuckerberg, Elon Musk and Jay-Z have all made headlines for taking out multimillion-dollar mortgages — not out of necessity but to reap a couple of key benefits.

It allows for better cash flow

Someone who’s a billionaire a couple or several times over may not have to worry so much about cash flow. But borrowing for a home allows them to hang onto their cash for other purposes, rather than tying their money up in an illiquid investment.

Take Hollywood’s it couple, Jay-Z and Beyonce, with an estimated combined net worth of roughly $3.2 billion, for instance. But back in 2017, when their net worth was $1.6 billion, the power couple took out a $52 million loan to buy a hillside estate in Los Angeles., worth $88 million, according to a report published by the L.A. Times.

"Depending on how their portfolio looks — what they’ve invested in — I think there could be a huge benefit to Beyoncé and Jay-Z. It gives them flexibility, and they could pay the mortgage off anytime," Robert Cohan, managing director at Carlyle Financial, said in an interview with Business Insider.

You can still land an affordable mortgage rate even if you don’t fall in the category of America’s elite 1%. The key is to not accept the first offer on the table — and to shop around and get quotes from at least two-three lenders.

According to a study conducted by LendingTree, 45% of homebuyers who received more than one quote got a lower rate than their initial one .

Mortgage Research Center can help you shop around for rates from vetted lenders near you.

All you need to do is enter some basic information about yourself, such as property type and zip code in which it is located, total cost, desired down payment, and your annual income and credit score.

Mortgage Research Center then matches you with lenders best suited to your needs. You can then set up a free, no-obligation consultation to further assess whether they’re the right fit for you.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Free up more money to invest

If you purchased a house in the last couple of years at a fixed rate, chances are you might be able to refinance it at a lower rate right now.

Mark Zuckerberg, the world’s second richest man (according to the Forbes Real Time Billionaires list) did the same.

Back in 2012, when Zuckerberg was #40 on the list with an estimated $15.6 billion net worth, he refinanced his home in Palo Alto, California, with a 30-year adjustable rate mortgage at 1.05%.

While rates probably won’t go down to that level any time soon, the Federal Reserve’s rate cuts over the past few months have already had a noticeable impact. Median mortgage rates are currently hovering around 6.76% — down from 8% in October last year.

With the Fed slated to lower the benchmark rates further in the upcoming months, it might be a good idea to start looking at your options.

Ideally, you can land a lower rate by shopping around. According to a study from LendingTree, 56% of homebuyers shopped around when they refinanced their mortgage. What’s more, 81% of those who chose to refinance, came away with a lower rate than what they started with.

Mortgage Research Center is also a beneficial tool if you are looking to refinance your current mortgage.

The process is the same — you need to enter some information about yourself and your current mortgage, and Mortgage Research Center will match you with vetted lenders offering competitive rates.

More ways to invest in real estate

Buying additional properties to yield rental or investment income can be inconvenient, even for accredited investors. Not only do you have to worry about timely maintenance and property taxes, but you also have to deal with the hassles of being a landlord if you are thinking about renting it out.

This is where First National Realty Partners (FNRP) comes in. With a minimum investment of $50,000, accredited investors can own a stake in grocery-anchored institutional-grade commercial real estate without having to do any of the legwork.

FNRP’s team of experts manages the entire life cycle of the investment — from due diligence of properties to acquisition and tenant management.  The firm typically leases its properties to national brands selling essential goods, like Walmart, Whole Foods, and Kroger.

FNRP also pays out any positive cash flows as dividends quarterly, helping you generate passive income without worrying about property and tenant management.

For those looking for affordable investment options, new investing platforms are making it easier than ever to tap into the real estate market.

For accredited investors, Homeshares gives access to the $36 trillion U.S. home equity market, which has historically been the exclusive playground of institutional investors.

With a minimum investment of $25,000, investors can gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

With risk-adjusted internal returns ranging from 12% to 18%, this approach provides an effective, hands-off way to invest in owner-occupied residential properties across regional markets.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

Anyone who lived through the Great Recession remembers the tremendous economic turmoil that took place.

While the economy has since recovered, many people became wary of financial institutions. Some even choose to hold their cash outside the system entirely.

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• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

This isn’t surprising. There were two bank failures in 2024, and recent tariff-driven recession fears might pave the way for more in the years to come.

"Banks are a reflection of the economy — if the economy worsens, their results will follow," said Stephen Biggar, director of financial institutions at Argus Research.

But, keeping your money out of banks or investments, you could miss out on significant growth. Holding cash reserves means you’re likely losing money every year due to inflation.

How to deposit a large sum of money

You can deposit large sums of cash, but banks must report amounts over $10,000 and may ask about the source of funds.

There’s no issue — as long as your money is legitimate . Just avoid breaking up deposits to dodge reporting, as that’s illegal. Notify your bank ahead of time, and remember FDIC insurance covers up to $250,000 per account category.

Holding onto cash can mean missing out on opportunities for growth. By exploring secure, high-yield savings options and investing platforms, you can maximize your money’s potential and put it to work for your future.

If you’re looking for a dependable way to grow your savings without taking on significant risk, a certificate of deposit (CD) could be a good choice. With SavingsAccounts.com, you can compare rates and features of CDs offered by different banks and financial institutions — all in one place.

With the Federal Reserve lowering benchmark rates, locking in your funds with a high-interest CD can help you boost your savings.

You can compare real-time data on CD offers and get personalized recommendations here.

For those who want to explore additional high-yield savings opportunities, this list of the best high-yield savings accounts of 2025 by Moneywise highlights some of the best accounts available today.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Making moves

While banks may have lost consumer trust during the Great Recession, avoiding the financial system entirely can be a missed opportunity. For instance, $100,000 invested in an S&P 500 index fund in 2009 could have grown to $850,000 by 2024, assuming dividends were reinvested.

While it’s natural to feel cautious about investing, the truth is that long-term, steady investment strategies often yield the best results.

With Vanguard, you can connect with a personal advisor who can help assess how you’re doing so far and make sure you’ve got the right portfolio to meet your goals on time.

Vanguard’s hybrid advisory system combines advice from professional advisers and automated portfolio management to make sure your investments are working to achieve your financial goals.

All you have to do is fill out a brief questionnaire about your financial goals, and Vanguard’s advisers will help you set a tailored plan, and stick to it.

Once you’re set, you can sit back as Vanguard’s advisors manage your portfolio. Because they’re fiduciaries, they don’t earn commissions, so you can trust that the advice you’re getting is unbiased.

Invest for retirement

Planning for retirement requires careful consideration of both stability and growth. Whether you’re diversifying with precious metals or automating investments, there are options to suit every approach.

Gold has long been hailed as one of the best investments for retirement, acting as a hedge against inflation and economic fluctuations. The yellow metal’s performance speaks for itself — gold prices have risen by about 84% over the last five years.

One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

Priority Gold is an industry leader in precious metals, offering physical delivery of gold and silver. Plus, they have an A+ rating from the Better Business Bureau and a 5-star rating from Trust Link.

If you’d like to convert an existing IRA into a gold IRA, Priority Gold offers 100% free rollover, as well as free shipping, and free storage for up to five years. Qualifying purchases will also receive up to $10,000 in free silver.

To learn more, download their free 2025 gold investor bundle to see if a gold IRA is the right investment for you.

If you prefer a hands-off approach to saving, Acorns makes it easy to grow your retirement fund with minimal effort.

With Acorns, you can invest your spare change into diversified ETF portfolios, ensuring steady progress toward your goals. When you make a purchase on your debit or credit card, Acorns rounds up the price to the nearest dollar and deposits the excess into a smart investment portfolio developed by experts.

You can also customize how you save. With an Acorns Silver plan, you get access to Acorns Later, a retirement investment account with a 1% IRA match on new contributions.

You can also opt for Acorns Gold, which offers a 3% IRA match on new contributions and the ability to customize your portfolio by selecting your own stocks.

Sign up now and you can get a $20 bonus investment.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

Getting laid off can be a harsh blow at any age. But at 61, it can be an extremely difficult thing.

Even if you’re well qualified to do what you do, employers may be hesitant to hire someone who’s perceived to be on the cusp of retirement. While age discrimination isn’t legal, it’s a pretty common thing for employers to pass over job candidates due to their older age.

Don’t miss

• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

Unfortunately, it sounds like you were forced to retire before you wanted. You wouldn’t be alone in that boat. A 2024 Transamerica survey of retirees found that 58% ended their careers sooner than they had planned. Among them, 43% cited employment-related issues. The median age of retirement was 62, three years younger than the traditional retirement age of 65.

Retiring at 61 could be particularly challenging because you’re still a year away from being eligible to claim Social Security (at a reduced rate, no less), and you’re also four years away from being able to get health coverage through Medicare.

So, rather than resign yourself to a forced early retirement, you may want to explore your options for being able to continue to work.

Don’t give up on being able to work just yet

Thanks to the booming gig economy, you may be able to go out and find work on your own terms. You could try consulting in your former field, starting a new business, or even embracing different side hustles to cobble together an income for a period of time.

A survey from Self Financial says that 33% of Americans ages 65 and over are looking into setting up side hustles. And people ages 65 and over earn an average of $581.32 per month this way. You, however, may be able to earn more if you’re passionate about what you’re doing and can dedicate more hours to it.

Another way to earn more income is through the lucrative real estate market. Rental income can potentially provide a steady cash flow that adjusts to inflationary pressures, offering a hedge against the declining value of fiat currency.

If you’re an accredited investor, Homeshares allows you to gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning, or managing property.

The fund focuses on homes with substantial equity, utilizing Home Equity Agreements (HEAs) to help homeowners access liquidity without incurring debt or additional interest payments.

This approach provides an effective, hands-off way to invest in high-quality residential properties, plus the added benefit of diversification across various regional markets — with a minimum investment of $25,000.

With risk-adjusted target returns ranging from 12% to 18%, Homeshares could unlock lucrative real estate opportunities, offering accredited investors a low-maintenance alternative to traditional property ownership.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Protecting your finances after a late-in-life layoff

Losing a job before retirement could be detrimental to your finances. Even though you’re old enough to tap an IRA or 401(k) plan without a penalty, you may not want to start dipping into your savings at such a young age.

If you’re worried about the potential for layoffs during a period of stock market uncertainty, you might consider securing your IRAs by investing in commodities instead of the market.

Opening a gold IRA with the help of Thor Metals can allow you to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold. This makes it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainties.

To learn more, you can get a free information guide that includes details on how to get up to $20,000 in free metals on qualifying purchases.

Also, while you may be able to piece together enough of a part-time income to keep your savings untouched until you’re 62 and eligible for Social Security, claiming benefits at that age means reducing them by 30% compared to waiting until your full retirement age of 67. So that may not be ideal, either.

One thing you should do after getting laid off is put in a claim for unemployment benefits right away. You’re typically eligible if you were let go through no fault of your own.

You may also be eligible for severance pay from your employer. And if that severance is based on tenure and you were at your company for a long time, you may be entitled to a decent-sized payout.

That could buy you some time to figure out your next move without having to dip into your savings. Additionally, you should see if you have accrued vacation or sick time you’re eligible to get paid out on.

Another smart thing to do following a layoff is to see what expenses you can reduce — either temporarily or permanently. If you’ve been toying with downsizing, it could be a great time to do so if it saves you money on housing. And if you have a reason to hang onto a larger home, you may want to look at renting out a room for some income.

Also make sure to put health insurance in place following a layoff. COBRA might prove expensive, but you can explore options on the health insurance marketplace.

It’s also a good idea to talk to a financial advisor when you experience a major change in income like the loss of a job — especially if it happens at an age where you may be forced into an early retirement.

A financial advisor can help you assess your options and figure out the most efficient way to cover your expenses in the absence of a paycheck.

They may, for example, suggest switching to assets like bonds in your portfolio so you can generate income and reduce your risk at a time when you might need the flexibility to tap your investments.

With Vanguard, you can connect with a personal advisor who can help assess how you’re doing so far and make sure you’ve got the right portfolio to meet your goals on time.

Vanguard’s hybrid advisory system combines advice from professional advisers and automated portfolio management to make sure your investments are working to achieve your financial goals.

All you have to do is fill out a brief questionnaire about your financial goals, and Vanguard’s advisers will help you set a tailored plan, and stick to it.

Once you’re set, you can sit back as Vanguard’s advisors manage your portfolio. Because they’re fiduciaries, they don’t earn commissions, so you can trust that the advice you’re getting is unbiased.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

Ashley Frazier, a 25-year-old critical care nurse from La Marque, Texas, purchased her first home less than two years ago, thinking she’d found a great deal.

At the time, she was pursuing a dual doctorate and ready to leave her parents’ house. But soon after moving in, she began noticing strange issues — ceiling light fixtures filling with water, her microwave fogging up daily and a consistently damp attic. The house, which was less than three years old, turned out to have a serious humidity problem.

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• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

“This was supposed to be my dream home, my starter home. It wasn’t supposed to have any problems,” Frazier told KHOU 11 News. “Now I just feel like I’m living in a nightmare.”

Frazier has since moved out of the home after a mold inspector she hired reportedly deemed it uninhabitable.

What caused the mold issue?

After discovering condensation and visible mold in her still-under-warranty home, Frazier contacted the builder, Lennar. The company sent out an HVAC technician and a mold inspector, but concerns grew when they declined to check behind the walls.

“That’s when the red flags started going off,” Frazier told KHOU 11, noting the mold appeared to be coming from inside the walls and cabinets. Around the same time, she began experiencing respiratory issues, and a chest X-ray revealed a developing scar tissue nodule.

Frazier then hired her own mold inspector who found dangerously high mold levels — 2.2 million spores per cubic meter — declaring the home unsafe to live in.

“I moved out immediately,” she said.

Frazier hired a lawyer soon after.

Lennar responded by stating: “We work hard to promptly correct issues that are our responsibility … Unfortunately, despite our repeated efforts, this homeowner has not allowed us to inspect the home since last summer or to perform any proposed remediation.”

Frazier’s attorney countered, explaining that an exhaustive investigation is required for a legal claim. They are nearing completion of the process, and expect a resolution soon.

How to navigate issues with your home — whether you rent or own

Discovering issues like mold growth in your home can be overwhelming, but quick action can help protect both yourself and your finances. Whether you rent or own your home, here’s how to handle deteriorating property conditions.

Document the problem immediately

Record dates, times and detailed descriptions of mold, water damage or structural issues. Take clear photos or videos of affected areas. Keep medical records and receipts if health problems develop.

Notify the builder or landlord in writing

Homeowners should alert the builder and insurer and request a written report. Renters should formally notify the landlord by certified mail or email to keep a record.

Consider getting an independent evaluation

If concerns are dismissed, hire an independent inspector, mold specialist or contractor for an evaluation. This report can serve as evidence if legal action is needed.

Understand your rights

Homeowners should review warranties, insurance and state laws on construction defects. Renters should research tenant rights in their area.

Explore financial assistance options

Mold and major home repairs can be expensive, so check what your insurance covers.

If caused by contractor error, their insurance policy might cover the damage. Government programs — like the U.S. Department of Housing and Urban Development (HUD) or FEMA — may also be able to provide potential assistance.

Either way, documenting everything and getting expert advice is key when facing landlord negligence or builder defects.

Homeownership without the hassle

If you’re looking to enjoy the financial benefits of homeownership without the mold — or headaches from costly maintenance and tenant management — there are options that can make it possible. The U.S. home equity market offers one such opportunity.

This $34.9 trillion market has historically been the exclusive playground of large institutions.

But Homeshares is changing the game by allowing accredited investors to gain direct exposure to hundreds of owner-occupied homes in top U.S. cities through their U.S. Home Equity Fund — without the headaches of buying, owning or managing property.

The fund focuses on homes with substantial equity, utilizing Home Equity Agreements (HEAs) to help homeowners access liquidity without incurring debt or additional interest payments.

This approach provides a hands-off way to invest in high-quality residential properties across various regional markets — with a minimum investment of $25,000.

Even better, risk-adjusted target returns range from 14% to 17%. Homeshares’  U.S. Home Equity Fund could unlock lucrative real estate opportunities for you, offering accredited investors a low-maintenance alternative to traditional property ownership.

You could also try tapping into the $22.5 trillion commercial real estate sector, which has long been restricted to a select group of elite investors.

First National Realty Partners (FNRP) can help accredited investors diversify their portfolios through grocery-anchored commercial properties — and without the responsibilities of being a landlord.

With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to triple net leases, accredited investors can invest in these properties without worrying as much about tenant costs cutting into their potential returns.

Simply answer a few questions – including how much you would like to invest – to start browsing their full list of available properties.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

It’s no surprise that Americans often rely heavily on credit cards to make ends meet. And with a recent period of rampant inflation, it’s equally unsurprising that credit card balances are on the rise.

In the fourth quarter of 2024, U.S. credit card balances rose by $45 billion, reaching the $1.21 trillion mark — the highest level recorded by the Fed in 20 years.

Don’t miss

• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• You’re probably already overpaying for this 1 ‘must-have’ expense — and thanks to Trump’s tariffs, your monthly bill could soar even higher. Here’s how 2 minutes can protect your wallet right now

It’s also worth noting that consumer debt is on the rise. Mortgage balances hit $12.61 trillion during the fourth quarter of the year, while auto loan balances reached $1.66 trillion.

In the fourth quarter of 2024, 7.18% of balances became seriously delinquent (more than 90 days), versus 6.36% in the previous year.

U.S. consumers carry a lot of credit card debt, and given the interest rates associated with credit cards, this can be extremely detrimental to their financial health. So, it’s important to try to break that cycle.

An unsettling trend

Surging inflation and costs have pushed many consumers deeper into credit card debt. In Q4 2024, the average credit card borrower owed $6,580, up from $6,360 a year before.

The number of Americans carrying balances also increased to 171.4 million. Many are struggling to pay bills, with 28% seeing their debt grow, and 37% unable to make ends meet without taking on more debt.

Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

Breaking the cycle of credit card debt

Credit card debt is a double-edged sword: the longer you carry a balance (or multiple balances), the more interest you accrue.

Carrying high credit card debt relative to your total credit limit can damage your credit score, making borrowing money even more expensive and trapping you in a terrible cycle.

To break free, consider cutting back on spending, increasing income through a side hustle, and choosing a debt payoff method. The avalanche method tackles high-interest debts first, saving you more money, while the snowball method focuses on paying off smaller debts first, offering quicker psychological wins. Both methods have their advantages depending on your goals.

One way to tackle your high-interest debt faster is to consolidate them into one affordable payment with a lower interest rate. The lower rate allows you to pay the debt faster, which means you would also be saving on the total amount of interest paid.

Finding a lender offering personal loans with low interest rates is easier than ever with the help of online marketplaces like Credible. In just a few clicks, see a side-by-side comparison of the top lenders with the annual percentage rates (APRs), loan term and loan amount available based on your credit score.

Another way to pay down credit card debt quickly is by using a balance transfer credit card, which allows you to transfer your existing debt to a card with 0% APR for a certain period. This helps you save on interest and pay off your balance faster.

Searching for the right credit card can be overwhelming. But with Cardratings.com, it’s quick, easy and personalized.

Cardratings lets you easily compare a wide variety of rates and balance transfer offers, so you can find the right card that suits your needs.

For example, if you have a $10,000 balance at 22% APR, you’d pay around $2,200 in interest over a year with minimum payments. But if you transfer the balance to a card offering 0% APR for 12 months (with a 2% transfer fee), you’d pay a $200 fee upfront. Even with the fee, you’d save about $2,000 in interest, making it a smart way to pay off debt faster.

Finally, if you own a home — you have equity — so you could look to consolidate your credit card debt into a home equity loan.

With home values higher than ever, you can make your home work harder for you by making the most of your equity. The average homeowner sits on roughly $311,000 in equity as of the third quarter of 2024, according to CoreLogic.

Rates on HELOCs and home equity loans are typically lower than APRs on credit cards and personal loans, making it an appealing option for homeowners with substantial equity.

Unlock great low rates in minutes by shopping around. You can compare real loan rates offered by different lenders side-by-side through LendingTree. Just answer a few simple questions, and LendingTree will match you with up to 5 lenders with low rates today. Terms and Conditions apply.

But be careful, as you’re putting your home on the line. Falling behind on home equity loan payments could lead to foreclosure.

What to read next

• Millions of Americans now sit on a stunning $35 trillion in home equity — here’s 1 new way to invest in responsible US homeowners while targeting a 14%-17% IRR
• Robert Kiyosaki warns of a ‘Greater Depression’ coming to the US — with millions of Americans going poor. But he says these 2 ‘easy-money’ assets will bring in ‘great wealth’. How to get in now
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.