Personal finances can get tricky in your 30's and 40's. It's common to be trying to save for big events like having kids, saving for retirement, and buying a house, while also feeling like you're just starting to get a handle on your career.
There's no doubt about it: adulting is hard. But, help is here. There's a whole crop of new financial apps and products that have your back. They want to help you spend less and save more so you can keep all your financial goals on target.
Let's take a closer look at some of our top picks:
Invest in Apple, Amazon, and other companies for just $5
If you aren't investing yet, it's definitely not too late to get started. All investments come with risk, but thanks to the magic of compound interest, if you invest your money you could see it grow more quickly than if you keep it in a savings account.
Stash was built to help beginner investors get started. You can buy fractional shares (partial shares) in companies that are household names like Apple, Google, Amazon, and more1. Normally a single share of these companies could cost hundreds or even thousands of dollars, but you only need as little as $5 to get started with Stash.
If you're thinking about saving for retirement, you can start investing in an IRA and enjoy the tax benefits that come with retirement accounts. Stash also offers tools and guidance to help you along the way.
As a bonus, Stash will give you $5 to invest after you deposit $5 or more into your personal portfolio.6
Want even more tools and guidance? If you choose the Stash+ plan7 when signing up, you can earn 2x stock rewards when you spend on eligible purchases!2
Leave your family up to $1,500,000 starting at just $10 a month
If you own a home or have kids and you don't have a life insurance policy, it's time to take a closer look. A life insurance policy can help ensure that your family is taken care of in the event of your death. While no one likes thinking about that possibility, it’s important to be prepared for it nonetheless.
Luckily, you don’t have to spend a fortune or fill out lengthy paperwork to apply for coverage. With Bestow, the premiums start as low as $10/month. If approved, you can see your actual policy within just a few minutes and obtain coverage from the comfort of your home. There's no medical exam required.
Save up to $500 on car insurance in Virginia
Car insurance can be expensive, so you want to make sure you're not overpaying on your current premium.
FinanceBuzz has made it easy to search and compare quotes. Think of it as Kayak, but for car insurance.
We can help match you to insurance carriers and regional agencies to help you save on your car insurance. FinanceBuzz can save drivers up to $500 per year compared to their current insurance premiums.
It takes less than 5 minutes to fill out the form and you'll receive a list of matches that show you online, email, and potentially phone quotes.
Stop overpaying when you shop online
Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.
Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, they will automatically add the best coupon code in their extensive database to help you save cash. And before you check out at favorite stores like Amazon, Target, Home Depot, and Best Buy, Capital One Shopping will notify you with a friendly pop-up if the item you're buying is available cheaper somewhere else.
Capital One Shopping is free to use and will never show you ads. Add it today and stop overpaying!8
Budget better and trim up to $720 from your bills
Ever look at your bank account and wonder where your paycheck went? Poof, it's gone and you're not exactly sure where you spent it. A budgeting app like Truebill can help you take control of your money — spend intentionally on the things you value and stop throwing money away on unimportant things.
Once you have a complete picture of your finances, it's easy to see ways to save. And Truebill can help make those potential savings a reality. Their expert negotiators can call the cable company and phone company to help lower your bills. They'll also help you cancel unwanted subscriptions and put that money back in your bank account where it belongs.
Truebill has already helped save its members over $50,000,000 on their bills without much time and effort.
Get the cash you need without leaving home
If you need quick access to cash, a home equity line of credit (HELOC) from Figure is one of the simplest and fastest options available.
You can get a HELOC from Figure3 without ever leaving home. Whether you'll use the money for debt consolidation, a home improvement project, or a major purchase, you could have your money in days, not months.
Their online application is fast and easy to complete. There's no in-person appraisal needed and they even have online video notaries available in some locations. You could receive funding in just 5 days9 — get the money and get on with your life.
Checking your pre-qualified offers from Figure won’t impact your credit score,4 but you do need a credit score of at least 620 to qualify.
Save the $250 you'll probably pay in bank fees this year
Bank fees are annoying, so stop paying them.5 There are no hidden fees~ with the Chime mobile app — no monthly fees~, no minimum balance fees, and they even offer fee-free overdraft — up to $200*.
And no fees~ doesn't mean no features. With Chime, you can build your savings faster by automatically rounding up your purchases, plus get paid up to two days early when you use direct deposit^.
Apply online in just two minutes — there's no credit check required.
See if you can raise your credit scores in real time
Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores10 instantly.
Experian Boost™ can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)
Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.
Bonus: Get smarter about money in just 5 minutes a day
"Wealthy" is all about numbers. "Worthy" is a mindset. If you’re the type of person who’s passionate about growing your net worth and becoming financially independent, then you belong in Worthy — our brand-new personal finance community.
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