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7 Brilliant Ways to Build Wealth After 40

Last updated May 31, 2026 | By FinanceBuzz Editors

Your 40s (and beyond) is a great time to get serious about building your wealth. There's a good chance your career is taking off and you're earning more money than you ever have before. With upcoming expenses like college and retirement looming, investing smartly and saving money are more important than ever.

Now is the time to make sure you're putting that money to work for you. 

Pay no interest on balance transfers until 2027

Imagine getting 18 months with an intro 0% APR on balance transfers (APR then 17.49% - 26.49% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading low-interest cards - the Discover it® Chrome (Rates and fees).

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 (APR then 17.49% - 26.49% 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 just stop with balance transfers, though. Cardholders also get a generous intro APR of 0% for 6 months on purchases (APR then 17.49% - 26.49% Variable).

The best part? The annual fee is $0 for the Discover it® Chrome.

Click here to apply now to the Discover it® Chrome

Turn your home’s value into extra cash

If you want to pay a large expense now, like a home improvement project or credit card debt, you may have considered using your home equity as leverage to borrow a large sum of money.

But with interest rates rising in recent years, a cash-out refinance or home equity loan may not make financial sense.

Here’s a potential solution: Get a home equity line of credit (HELOC) instead.

Using LendingTree’s simple HELOC matching tool1 (yes, the company from the commercials), you can compare rates and see what works for you.

How a home equity line of credit is different: Your line of credit acts similar to a credit card, where you can withdraw funds when you need them, and you’re only responsible for minimum monthly payments for what’s called the “draw period,” which is usually 10 years. After this borrowing period ends, you pay off the rest of your balance during an extended repayment period, which is usually 20 years.

Plus, as a revolving line of credit, rates are usually variable, so you won’t be locked into a fixed rate if they ever go lower.

To get started:

  1. Check out LendingTree’s HELOC matching tool.
  2. Answer a few questions.
  3. Be matched with personalized offers for you.

Visit LendingTree

Set up direct deposit and complete qualifying activities - pocket $400

If you aren't banking with Truist, you're missing out on a boost of extra cash just by following a few simple steps.

Earn a bonus of $400 after you open a new Truist One Checking account online between March 26, 2026 and July 9, 2026 using promo code AFL400TR1Q226.2To earn the $400 bonus, your account needs to receive at least 2 qualifying direct deposits totaling $2,000 or more and complete 20 qualifying debit card purchase transactions within 120 days of account opening. The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Terms apply.

This is a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above. Plus, your new account offers benefits like no overdraft fee and options to avoid a monthly maintenance fee on top of the bonus.

Open your account and earn a $400 bonus

This plan helps protect select Ohio homes from many expensive appliance and home repairs (see if you qualify)

Everyone talks about home insurance, but hardly anyone talks about this. If you live in Ohio and own your home, you could save $1,000s on home repairs without much work at all.

American Home Shield is currently helping homeowners slash appliance repair bills. Instead of paying $1,000s, you pay for a monthly plan and a simple one-time service fee per covered repair.

Getting a monthly plan could help you tap into immense savings for nearly any system or appliance in your home that’s covered.

Not everyone is eligible for this plan so here’s how to check:

  1. Click the link below and enter your name, address, phone number and email.
  2. Hit the “Get Free Quote” button.
  3. If you qualify, select a plan.

Complete this short form to see if you qualify

P.S. Use the link above, and you'll get 50% off your first year on select plans!3

American adults lost $47 billion to scams and fraud in 2024

That's right. According to a new report, American adults lost $47 billion to scams and identity fraud in 2024.4

But you can safeguard your data with all-in-one scam and fraud protection services from Aura which comes with up to $1,000,000.00 in identity theft insurance5per adult, to cover eligible losses and fees should you experience them.

During setup, Aura scans the internet for data brokers that have your personal information. These data brokers could make a fortune selling your information to spammers, scammers, and other entities that want to know more about you. Aura helps remove that info.

Plans start at $7 per month, and you can choose a family plan that outmatches most others — including Dark Web monitoring to scour data breaches and leaks for your sensitive personal data — such as Social Security numbers (SSN), Medicare information, and phone numbers.

Before you make your next online purchase, protect what you’ve built for a fraction of what it could cost you if your data were compromised.

Save up to 68% when you sign up for protection today!