Saving & Spending

8 Brilliant Ways to Build Wealth After 40

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Last updated Dec. 13, 2025 | 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. 

Cancel your car insurance

We've got bad news. You could be wasting $600 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 $600 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 $600. To find out if you're losing up to $600 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.

See if you're overpaying

Earn a limited-time $300 bonus with this incredible cash back card

Limited Time Offer: For a limited time, the Chase Freedom Unlimited®(Rates and fees) is offering a powerful welcome offer: earn a $300 bonus after you spend $500 on purchases in your first 3 months from account opening (limited-time offer). This is an incredible offer from Chase — do not miss it.

In addition to the welcome offer, this card lets you earn cash back on everything you buy. Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases. 

And it gets better (really): This card also gives you 0% intro APR on purchases and balance transfers for 15 months. That means you could finance large purchases or pay down high-interest debt for over a year. After the intro period, the APR is 18.49% - 27.99% Variable. Oh, and the annual fee is $0. It's almost a no-brainer to apply. Click below to get started. 

Click here to Apply Now to the Chase Freedom Unlimited®

Turn your savings into passive income

Wealthfront is an app that lets you earn nearly 9x more interest on your money today than an average savings account ... 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 3.50% 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 3.50% APY payout. There are no account 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

Ask this company to pay off your credit card 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 is designed specifically to help you get out of credit card debt faster, without having to make drastic life changes. With National Debt Relief, you could pay off your credit card debt (with potentially way less interest) in one simple monthly payment.3

How to get National Debt Relief to pay off 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 could immediately assist you in paying off your debt, but only if you schedule the assessment.

Try it

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