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Surveys consistently show that women lag behind men in retirement savings. One of the big contributing factors is that women still earn less than men on average.
Here's the thing though, even if the deck is stacked against us, women can and should be able to outpace their male counterparts when it comes to savings.
The secret: Smarter choices. We need to make every penny count.
And we're here to help. We've compiled this list of apps that can help you save more and invest your hard-earned money smarter. Take a look…
Pay off $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 take the first step.1 <p>Clients who complete the program and settle all debts typically save around 45% before fees or 20% including fees over 24–48 months, based on enrolled debts. Not all debts are eligible, and results vary as not all clients complete the program due to factors like insufficient savings. We do not guarantee specific debt reductions or timelines, nor do we assume debt, make payments to creditors, or offer legal, tax, bankruptcy, or credit repair services. Consult a tax professional or attorney as needed. Services are not available in all states. Participation may adversely affect your credit rating or score. Nonpayment of debt may result in increased finance and other charges, collection efforts, or litigation. Read all program materials before enrolling. National Debt Relief’s fees are based on a percentage of enrolled debt. All communications may be recorded or monitored for quality assurance. In certain states, additional disclosures and licensing apply. © 2009–2025 National Debt Relief LLC. National Debt Relief (NMLS #1250950, CA CFL Lic. No. 60DBO-70443) is located at 180 Maiden Lane, 28th Floor, New York, NY 10038. All rights reserved. <b><a href="https://www.nationaldebtrelief.com/licenses/">Click here</a></b> for additional state-specific disclosures and licensing information.</p>
Get up to $10K when you transfer your brokerage account to Public
Secret: you don't need a thousand dollars to buy thousand dollar stocks. With Public, you can start investing in companies like Apple, Amazon, Tesla, Nike, and Google.
That’s because Public offers a new method of investing with something called “fractional shares” … a fancy term that just means you can buy pieces of those thousand dollar stocks with as little as one buck.
This method lets you build wealth without needing a ton of money or forking over your entire paycheck. It also means you can diversify your portfolio.
BONUS: Get up to $10K when you transfer your brokerage account to Public.com.2 <p>All opinions are that of Finance Buzz. Cash bonus on transfers depends on the amount of transfer as follows: transfers between $5,000 - $24,000 will receive $150 bonus; between $25,000-$99,999 - $500 bonus; between $100,000 - $499,999 - $2,000 bonus; between $500,000-$999,999- $5,000 bonus; between $1,000,000+ - $10,000 bonus. Cash bonus will be applied to qualifying accounts one (1) month after the transfer initiation date. Transferred funds must stay in your Public account for at least 6 months or bonus will be revoked. For additional information on transfers and cash bonus terms, visit public.com/transfer-account. For full terms and conditions go to: <a href="https://public.com/disclosures">public.com/disclosures</a>.</p>
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! 3 <p class="">These values are based on the <a href="https://financebuzz.com/financebuzz-credit-card-valuation">FinanceBuzz Credit Card Rewards Valuation Model</a>, which takes a look at rewards earned via spending, the welcome offer, and the annual fee. We used a valuation of 1 cent/point unless otherwise stated above. These are estimated values - your actual earnings will depend on how much you spend and in what categories.<br></p>
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% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum 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 17.74% - 26.74% Variable. To top it all off, the Discover it® Cash Back is accepted by 99% of merchants (according to the February 2025 issue of the Nilson Report), and there's no annual fee.
Get a free stock valued between $5 to $200
Robinhood is a great option for both new traders and seasoned investors.
With Robinhood it’s completely free to buy and trade stocks, options, and more. All trading is commission-free with no account minimums or maintenance fees. They’ll even give you a free stock in a company like Apple, Sprint, or Ford.
Sign up using the link below and Robinhood will add 1 free share of stock (valued between $5 to $200) to your account when your brokerage application is approved.