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 August 2025
Imagine getting 21 months with an intro 0% APR on a balance transfers. Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Citi Simplicity® 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 21 months. 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 12 months on purchases. After the intro period for purchases and balance transfers, the APR is 19.24% - 29.99% (Variable).
The best part? There's no annual fee.
Ask this company to pay off your credit card debt
If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it gets to fix. If you don’t take control of it early on, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?
National Debt Relief could help. If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives might be able to assist you in consolidating your debt into one low monthly payment.
Best of all? There are zero fees until your debt is resolved, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds to see if you qualify!
Prepare for market volatility by diversifying with gold
Precious metals values are inversely correlated with the stock market and the dollar. When one goes down, the other usually goes up. If you want to protect your retirement funds, having diversified investments may help you weather market swings.
Lear Capital is a reputable precious metals dealer that has specialized in precious metals IRAs for 25 years with over $3 billion in precious metals transactions since 1997. They have a AAA rating with the Business Consumer Alliance, and they make it simple to transfer funds from your current retirement account (like a 401(k) or IRA) into a precious metal IRA. And they have a 24-hour risk free purchase guarantee.
And if you get this free precious metals investor kit, you’ll learn how diversifying with gold could help shield you from the pain of rising interest rates, an unstable dollar, and a shaky stock market.
After you download the kit, a Lear Capital precious metals expert will follow up over the phone. Though they don’t give investment advice, they could shed light on some surprising facts about diversifying your portfolio with precious metals.
Get up to $500K in life insurance starting around $1.30/day
Ethos is one of the quickest, easiest ways to get life insurance.
Through their unique expedited process, they’ve removed the need for blood tests and medical exams in order to get life insurance. If you’re between the ages of 20-59, just answer a few health questions and you could get same-day coverage.
The whole thing can be done and over with in a few minutes, and you could get up to $500K in coverage for as little as around $1.30/day6 . You can also tailor your policy to fit your budget and needs.
If you haven’t gotten life insurance yet, there’s no reason to put it off any longer!
Cancel your car insurance
We've got bad news. You could be wasting $500 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there's something much better.
This new tool from FinanceBuzz can tell you if you're overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $500 or more per year when they save! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you'll never have to look for affordable insurance again because we find you the lowest rates that other companies can't match.
Oh, and it's also free. And come on — you can't tell us you don't want to save up to $500. To find out if you're losing up to $500 or more a year, just enter your zip code here, answer a few questions and see if you're overpaying. It takes less than 2 minutes.
Get personalized advice to plan for your retirement
Schedule a free one–on–one financial planning session with J.P. Morgan Personal Advisors7 today, and you’ll get access to a team of fiduciary advisors who will create a personalized financial plan, match you to expert-built portfolios, and provide ongoing advice via video or phone.
This can be especially helpful if you want to plan for retirement. Their advisors can help you build a personalized financial plan based on your retirement goals, helping you manage your finances along the way.
Even better, J.P. Morgan’s team of advisors also acts as fiduciaries. Join today, and you can be confident that any advisor you work with has your best interest at heart.
Once they understand your financial picture, risk tolerance, and time horizon, they’ll recommend a professionally designed investment portfolio that meets your needs and automatically rebalances as the market shifts.
Paid Non-Client Promotion
FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)
Earn $200 cash rewards bonus with this incredible card
There's a credit card that's making waves with its amazing bonus and benefits. The Wells Fargo Active Cash® Card(Rates and fees) has no annual fee and you can earn $200 after spending $500 in purchases in the first 3 months.
The Active Cash Card puts cash rewards back into your wallet. Cardholders can earn unlimited 2% cash rewards on purchases — easy! That's one of the best cash rewards options available.
This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.
The best part? There's no annual fee.
Earn up to a $250 bonus and grow your money with up to 4.60% APY
This powerful combination checking + savings account from SoFi allows you to earn up to a $250 bonus with direct deposit and grow your money with up to 4.60% APY.12
This is one of the top accounts we’ve seen, and offers like this can be rare. You work hard, and now it’s time to make your money work for you — with SoFi, you can grow your money with hardly any effort!
SoFi has no account or overdraft fees, up to 15% cash back at local establishments,11 and additional FDIC insurance up to $2 million on deposits is available through a seamless network of participating banks.10 Plus, you can receive your paycheck up to 2 days early.13
How to earn up to $250: Sign up and make a direct deposit within the first 25 calendar days of the promotional period, then collect a $250 cash bonus with a direct deposit of $5,000 or more.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!17
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Protect yourself from cyber theft before your next online purchase
$8.8 billion — that’s how much Americans lost in 2022 to fraud and identity theft. And let’s face it — if you spend a lot of time on your devices and make online purchases, you face greater risks from hackers, data breaches, malware, and phishing attacks.
But you can safeguard your data with all-in-one identity theft protection services from Aura. Feel safe with features like:
- Fraud alerts up to 250X faster than competitors to catch illegal activity in minutes, not days.2
- 24/7 US-based fraud experts and support to help you navigate any incidents quickly.
- $1M identity theft insurance3 per adult to cover you should you have eligible identity theft-related losses.
Aura also goes above and beyond competitors to help you have peace of mind as plans include tools to help prevent financial theft before it happens.
An individual plan starts at $9 per month, and you can choose a family plan that outmatches most others because of its powerful features.
Before you make your next online purchase, protect your money for a fraction of what it could cost you if your data were compromised.
Extended 0% Intro APR for Balance Transfers
- 0% intro APR on balance transfers for 21 months, then 18.24% - 28.99% (Variable) APR
- 0% intro APR on purchases for 12 months, then 18.24% - 28.99% (Variable) APR
- Choose your payment due date
- No annual fee
- Apply Now
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Long introductory APR period for balance transfers
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