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Your 50s are a great time to get serious about building wealth. Your career has likely taken off, and you're probably earning more money than you ever have. But with upcoming expenses like college for your kids and retirement for yourself, investing and saving are more important than ever before.
Now is the time to put your money to work for you — here are some of our favorite ways to do it:
Pay no interest until 2026
Imagine getting an introductory 15 months with 0% intro APR on a big purchase or balance transfer (APR then 18.49% - 27.49% Variable). Sounds great — right? You could dramatically change your financial picture with one of the industry-leading no-interest cards — the Discover it® Cash Back(Rates and fees).
Cardholders get a generous intro APR of 0% for 15 months on purchases (APR then 18.49% - 27.49% Variable) — that means you can cover bills, large purchases, or whatever you need to charge and not pay interest until 2026!
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 for 15 months on balance transfers (APR then 18.49% - 27.49% 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!
The best part? The Discover it® Cash Back card is accepted by 99% of merchants, boasts an exceptional cash back rewards rate, and there's no annual fee.
Virginia Driver? 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 switch! 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 answer a few questions, and then make sure to enter your zip, dob, and email, to see if you qualify for a lower rate. It takes less than 2 minutes.
Borrow from your home's equity to help you get through 2024
If you have a credit score of 620 or more, a cash-out refinance from Rocket Mortgage1could help you consolidate your debt. You could pull money out of your home without a second mortgage or HELOC … meaning you could tackle your debt head-on while eliminating multiple monthly payments.
For example, let's say you're able to take out $50,000 with a cash-out refinance. You use $20,000 to pay off high-interest debt and $30,000 for home renovations, lowering your total monthly payments and increasing your home's value. That's a win-win.
See how much could be available to you: Visit Rocket Mortgage and click “Take cash out.” Then use the simple calculator to estimate how much cash you could get out of your home.
Get life insurance and protect your loved ones
Life insurance is not something many of us want to think about, but we all want to protect the ones we love.
Imagine if you were suddenly gone tomorrow: Would your family be able to afford your mortgage? Would your children be forced to quit pursuing a degree or your spouse forced to work longer before retirement?
You may sense it's time to shop for life insurance but haven't yet because it's an intimidating and painful process. Financebuzz has a quick and easy solution.
Just fill in a few details about yourself and Financebuzz instantly connects you with ways to get your quote — allowing you to find an affordable life insurance policy without the headache.
The good news? You can get a free quote online after you answer few simple questions.
If you're concerned about being unprotected going into a certain age, take a few minutes to see policy rates today.
If you’re over 50, take advantage of massive discounts and financial resources
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.
How to become a member today:
- Go here, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
You’ll also get insider info on social security, job listings, caregiving, and retirement planning. And you’ll get access to AARP’s Fraud Watch Network to help you protect your money, as well as tools to help you plan for retirement.
Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.
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!2
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.
Virginia homeowners: Save potentially $1,000 or more on home insurance
If you live in Virginia, you could be throwing away money on outdated home insurance rates.
Here’s a little-known fact: At this very moment, the market for Virginia is highly competitive, but it may not stay that way.
There is ONE thing to do to take advantage and get a better rate: Get multiple options from a variety of home insurance providers. Too many homeowners skip this step — not realizing that they could save potentially $1,000s over the lifetime of owning their house just by switching.
Provide Home Insurance will help you find out if you’re overpaying for home insurance just by answering a few questions.
And don’t worry about timing — they’ll walk you through how to switch from your current policy no matter when you got it.
Switch to Mint Mobile and pay $15/month (5G coverage powered by T-Mobile)
Your phone plan doesn’t have to be crazy expensive. With Mint Mobile, you can get an unlimited data phone plan for only $15/month for the first three months.3
Sounds like there’s a catch, right? Wrong. Mint Mobile earned awards from “Wired magazine” and “The New York Times” for its modern approach to phone service. It’s fully online, meaning there are no retail stores and no extra overhead. Then, those savings are passed on to you.
Get everything you need for half the price: Mint Mobile is powered by nationwide 5G coverage from T-Mobile, and high-speed data is included on all plans. Plus, you don’t need to be trapped by a contract! There are flexible plan options and you can even bring your own phone.
If your phone is paid off or unlocked, jump on this $15/month deal while you can — because it might not be around forever.
BONUS: Get a second 3-month plan free when you bring your number from AT&T or Verizon.4
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Humana Benefits
- Find Medicare plans with low or $0/month premium
- Compare Medicare Advantage plans side-by-side to find what’s right for you
- Get coverage for hospital and doctor visits, dental and vision