8 Brilliant Ways to Build Wealth After 40

saving & spending
Last updated April 2, 2025 | By FinanceBuzz Editors
mixed races couple sitting in living room discussing

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

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!

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% Cashback Bonus® at Grocery Stores and Wholesale Clubs, April 1 through June 30, 2025, on up to $1,500 in purchases, 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 18.24% - 27.24% Variable. To top it all off, the Discover it® Cash Back is accepted by 99% of merchants, and there's no annual fee.

Click here to apply now for the Discover it® Cash Back.

Turn your savings into passive income

Wealthfront is a new app that lets you earn up to 15x more interest on your money today ... 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 rare 4.00% 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 4.00% APY payout. There are no 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

See if your credit card debt is eligible for this debt relief program

If you have a lot of credit card 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 resolve your debt once and for all?

ClearOne Advantage can help.3If you have $15,000 or more in debt from credit cards or personal loans, their representatives may be able to help you resolve your debt for less than you owe — with one low monthly plan payment.

Best of all? There are zero upfront fees, and you could get out of debt in as little as 24-48 months.4To get started, just answer a few simple questions. It only takes a few minutes to see if you qualify!

See if your $15K+ in credit card debt is eligible for ClearOne Advantage

Capital One Shopping Benefits

  • Capital One Shopping searches thousands of merchants to see if you're getting a great deal
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  • Custom price drop alerts for products you've viewed or purchased