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10 Brilliant Moves If You Make More Than $5,000/Month

Last updated April 15, 2025 | By FinanceBuzz Editors

Making more than $5,000 a month is a big milestone. But leaving the money in checking likely doesn't make much sense since most checking accounts pay minimal or no interest.

Once you've worked hard, you want to put your money to work for you. Here are 6 money moves you can make to get the most bang for your buck and get on the path towards a bright financial future.

Pay no interest on balance transfers until nearly 2027

Imagine getting 18 months with 0% intro APR on a balance transfer (APR then 18.24% - 28.24% (Variable)). Sounds great — right? You could dramatically change your financial picture with this industry-leading card - the Citi Double Cash® Card.

If you want to kick high-interest credit card debt to the curb, this is one of the leading get-out-of-debt cards available. Transfer your high interest debt to this card with a 0% intro APR on balance transfers for 18 months. After the intro period for balance transfers, the APR is 18.24% - 28.24% (Variable). Your payments can go directly to paying down your balance without incurring a pile of additional charges. That could save you hundreds of dollars in interest!

It doesn't stop with balance transfers though. Cardholders can also earn double cash back — 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Even better, you can redeem your cash back as direct deposit, a statement credit, or even a mailed check! You can turn your everyday purchases into cash back and make a dent in your debt, regular bills, or save for the future.

The best part? There's no annual fee with the Citi Double Cash® Card(Rates and fees).

Click here to apply now for the Citi Double Cash® Card

Turn your savings into passive income

Wealthfront is a new app that lets you earn up to 15x more interest on your money today ... while keeping your cash OUT of the stock market. How? Wealthfront powers your money by doing what most banks refuse to do … paying you a rare 4.00% APY1 on your cash.

To get started, download the app here and create your account.

When you deposit your money into a Wealthfront Cash Account,2 you can supercharge your emergency fund, short-term savings, return on cash, and more with interest income generated from their high 4.00% APY payout. There are no fees and you can withdraw your money at any time. You can open your account with a deposit as low as $1.

Wealthfront has over 570K trusted clients, over $35 billion in assets managed, and an App Store rating of 4.8/5 stars as of June 2023.

Supercharge your savings

Resolve $10,000 or more of your debt

Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.

National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.

How to get National Debt Relief to help you resolve your debt:Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.3

Try it

Ohio Driver? Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

Our new tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $233 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used our new tool and now I’m able to pay just $50 a month for two cars.Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this new tool and compare and score same-day savings, here’s what to do:

  1. Click the link below and enter your zip code, date of birth, and email.
  2. Answer a few questions about your car’s make and model to get matched with top offers.
  3. You will get a phone call from an agent and they’ll set it up for you right away.

Compare rates now and score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It takes two minutes. Super fast. You have to trust me on this. Just try it out.

Unlock up to $1,070 value over the next year with this incredible card

There's a credit card that's making waves with its amazing welcome bonus and benefits. The Discover it® Cash Back(Rates and fees) card has no annual fee, and Discover will match all the cash back you’ve earned at the end of your first year. This generous welcome offer and the top-notch cash back rewards provides an estimated $1,070 value in the first year!

The excellent $1,070 first-year value is estimated through the FinanceBuzz Credit Card Rewards Valuation Model based on spending, the welcome bonus, and the annual fee. The actual value will be determined by how much and in which categories you spend, but this card makes racking up valuable rewards easy! Earn 5% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, when you activate. Plus, you'll earn 1% cash back on all other purchases automatically. The welcome offer combined with the up to 5% cash back reward rate could be worth up to 10% cash back in the first year!

This card also offers an intro APR of 0% for 15 months on purchases and balance transfers, then APR 18.24% - 27.24% Variable. To top it all off, the Discover it® Cash Back is accepted by 99% of merchants, and there's no annual fee.

Click here to apply now for the Discover it® Cash Back.

Take this quiz to get matched with a financial advisor to help you thrive in a recession

If your investments and retirement accounts are more than $500,000, compare up to 3 fiduciary financial advisors who serve your area and hire the pro who fits your unique needs.

A study by legendary investment firm Vanguard found that, on average, a $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 enlist professional help.

Here’s how to find a financial advisor in the next five minutes:

1. Take this 5-minute retirement quiz from SmartAsset. (Yes, there are a fair amount of questions but they are all easy.)
2. Make sure you enter your zip code towards the end so you get matched with up to three financial advisors4 who serve your area.
3. Once you’ve got your matches, get a free consultation with each!

Take this retirement quiz

  • You could save up to $600 with some companies
  • Compare dozens of providers in under 5 minutes
  • Fast, free and easy way to shop for insurance
  • Quickly find the perfect rate for you