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10 Things Seniors Born Between 1941-1969 Could Take Advantage Of

Last updated June 2, 2026 | By FinanceBuzz Editors

You could be missing out on $1,000s, and you might not even realize it.

Sure, you might know about some senior discounts at diners or retail stores. But what you might not know is there are a number of lesser-known programs that can help slash bills, reduce insurance costs, and unlock powerful financial perks — right now.

We pulled together some of the most valuable money moves for 2026. Cut expenses, boost your retirement, and recession-proof your finances. Check out these offers from our partners below!

Too Many Seniors Don’t Realize They Can Try This

  1. Check if you qualify for a Medicare Savings Program before paying another premium: Medicare Savings Programs are state-run programs that can cover your Part B premium — $202.90/month in 2026 — plus deductibles and copayments for qualifying lower-income seniors. Enrollment also automatically unlocks Extra Help for prescription drug costs, which the SSA values at up to $5,700 a year, yet many eligible seniors never apply.
  2. Apply for Extra Help to cap what you pay for prescription drugs: Extra Help (also called the Low Income Subsidy) is a federal program that caps prescription drug costs for eligible seniors. Millions of qualifying seniors don't apply simply because they don't know it exists, and that means they're overpaying for medications every single month.
  3. Use a free SHIP counselor before making any Medicare decision: Every state offers free, unbiased Medicare counseling through its State Health Insurance Assistance Program (SHIP) — no sales pitch, no cost, no strings. Seniors who skip this and choose plans on their own often end up locked into coverage that costs more or covers less than what they actually qualify for.
  4. Claim the new senior tax deduction before filing this year: A provision in effect from 2025 through 2028 gives Americans 65+ an additional tax deduction of up to $6,000 per person — which, for many lower-income retirees, can effectively eliminate federal taxes on Social Security income. Seniors who aren't aware of this and file without it are leaving real money on the table.
  5. Delay Social Security past 62 if you can — every year costs you: Claiming Social Security at 62 permanently reduces your monthly benefit compared to waiting until your full retirement age or later — and benefits grow roughly 8% for each year you delay past full retirement age, up to age 70. Seniors who claim early because they assume it's always the right move can end up with significantly less income over the course of a long retirement.

There's more on the table than most people realize — and much of it goes overlooked simply because no one explained it was there. The offers below aren't exclusive to seniors — they're available to just about anyone. Since you're already thinking about making the most of what you've earned, check out these offers from our partners:

Stop paying high interest on your credit card debt. Start paying it off.

Discover it® Cash Back (Rates and fees) allows you to completely pause credit card interest into 2027.  You get an astounding 0% intro APR for 15 months on purchases and balance transfers. (Then APR is 17.49% - 26.49% Variable.) Finance large purchases without paying massive interest. Or, transfer crippling high interest debt to this card and let your payments go directly to paying down your balance, without piling on additional interest charges. All with no annual fee.

The Discover it® Cash Back card also lets you earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases. Plus, Discover will match all the cash back you’ve earned at the end of your first year. This practically doubles its value at the end of your first year.

Apply now for the Discover it® Cash Back card

Earn 10% cash back on your next Walmart purchase

If you're still using an account that charges monthly fees and you earn next to nothing on your savings, you need to try OnePay. When you bank through OnePay, you get a mobile banking app and secured credit card with no monthly fees, no minimum balances, and no overdraft fees.1

Sign up for OnePay here and you can earn 3% cash back on Walmart, gas, or dining on up to $150 spent per month, with eligible deposits.2On top of that, you can earn 3.35% APY on your savings with eligible deposits3and get paid up to 2 days early when you set up direct deposit.4 And you can earn 25¢/gallon extra cash back on your first gas purchase.5

You also get fee-free overdraft with eligible deposits,6fee-free cash withdrawals at 55,000+ Allpoint ATMs worldwide,7and free bill pay with eligible deposits.8

Limited time offer: earn 10% cash back on your first Walmart purchase made within your first month, on up to $200 spent.9

Open a OnePay deposit account today

Get a free stair lift estimate before you sink $10,000s into renovating your home

If you or a loved one struggles with stairs, do not move to a new house or spend $10,000+ on a home elevator or renovation. An affordable custom stair lift could be a faster solution (and $1,000s cheaper) and this free in-home consultation can help you find one.

Leaf Home Safety Solutions is actively helping senior homeowners get custom stair lifts without spending a fortune. They offer straight, curved, and outdoor options, installed by pros and backed by a limited lifetime warranty. You could stay in the home you love without a renovation.

Skip the stress of researching stair lift companies on your own. Leaf Home brings trained local experts to your door for a free, no-pressure estimate.

You might be a good fit if: 1) You own your home, 2) You or a loved one has trouble with stairs, and 3) Your ZIP code qualifies.

Complete this short form to get started

Ask this company to pay off your credit card debt

If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, National Debt Relief might be able to assist you in consolidating your debt into one low monthly program 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!10

Try National Debt Relief

Diversify your hard-earned retirement savings with gold

You’ve spent your whole life building up your retirement savings, but market volatility and inflation could be threatening everything you’ve worked so hard for.

U.S. Gold Bureau is actively helping Americans like you find greater retirement security with precious metal investments. They offer everything from physical ownership to IRAs in gold and silver that have a proven track record during unstable markets.

In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold actually increased by 25%.11

Take control of your legacy today in 3 easy steps:

  1. Request your FREE IRA investor's guide and receive up to $20,000 in free gold.12
  2. Speak to a dedicated specialist about the best option for you.
  3. Transfer or invest to better diversify your portfolio.

You're in good hands, as they boast an A+ rating with the BBB, are the U.S. Mint’s largest bulk purchaser, and share a facility with the nation's only state-administered precious metals depository. If you have at least $30,000 to invest,take control of your savings now.

Pay less when you stay at hotels and dine out


Best Western Senior Discounts: Minimum 10% discount on room rates for guests aged 55 and over.

Denny's Senior Discount: Special discounted menu for guests aged 55 and above. Additionally, AARP members receive 15% off their total bill at participating locations.

AMC Theatres Senior Pricing: Discounted ticket prices for seniors aged 60 and above.

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 AFL400TR1Q226.13To 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

Don’t pay a CENT to contractors for home repairs until you do this

Sounds crazy. And maybe you’re not even sure if this is real. But … you’re probably curious anyway. Choice Home Warranty makes it so you might be able to save $100s in home repairs!

They’ve been around since 2008 (so you know they’re legit) and they offer affordable plans to cover appliances and systems in your home that could break down from routine wear and tear.

Think of it like this: Say your furnace breaks down during a cold snap. Instead of paying up to $3,000 for repairs, you may only need to pay a $100 service fee with Choice Home Warranty, and the tech comes over and fixes it right away. This could save you up to $2,900 almost instantly!

Choose a plan here and you can still lock in their ultra-low 2026 rates (for a limited time). Then, whenever a covered system in your home breaks down, all you have to do is make your claim online or give them a call. Their team is available 24 hours a day, 7 days a week.14

Choose a plan from Choice Home Warranty here and lock in 2026 rates

P.S. Use the links above and you’ll get $50 off and 1 month free. We don’t know how long this will last, so take advantage of it today before it disappears.

Lower the price of your travel costs


Greyhound Senior Discount: 5% discount on fares for passengers aged 62 and older. This discount is available on cross-border routes.

Amtrak Senior Discounts: 10% discount on most rail fares to travelers aged 65 and older.

National Park Service Senior Pass: For a one-time fee of $80, U.S. citizens or permanent residents aged 62 and older can obtain a lifetime Senior Pass. This pass grants access to over 2,000 federal recreation sites, including national parks and wildlife refuges.

AT&T Senior Nation Plan: AT&T offers the Senior Nation plan for customers aged 65 and older. This plan includes discounted rates on nationwide calls and is designed specifically for basic phones (not smartphones).

Learn how you could generate income with a $1,000,000 portfolio

If you have $1,000,000 in retirement, savings, or investments this is for you. The last thing you want in retirement is to run out of money. Instead, you want your money to generate a real income while you enjoy your life.

Now you can learn the strategies wealthy retirees use to fund their retirement with $1,000,000 — and how you can, too — with a personalized report for high net worth investors from an Unbiased Expert.

Unbiased has helped over 10 million people make confident financial decisions across areas like retirement, investing, and wealth planning. In the past year alone, they've connected consumers with trusted, SEC-regulated advisors, resulting in over $20 billion in new assets under management. Get matched to an expert today!

Get your personalized report from an Unbiased expert here

Ohio residents, see if you could save on a walk-in shower upgrade

Design your perfect shower without breaking the bank. If you live in Ohio and your bathroom is stuck in the past, it's time for an upgrade you'll actually use every day.

HomeBuddy connects you with pre-screened local pros who install modern walk-in showers built around your style, your space, and your needs.

Skip the runaround. Get matched with a contractor and secure a free estimate in minutes. No pressure. No hassle.

Get started now if you check these 3 boxes:

  1. You own your home.
  2. You're ready to ditch the old tub.
  3. You live in an available ZIP code.

Get your free estimate to get started

See if you’re eligible to cancel your money-draining timeshare contract

Are you stuck in a timeshare contract? The average timeshare owner pays roughly $1,200 a year in maintenance fees,15and those fees tend to rise 5% or more annually, often for a property they no longer use.

The Stonegate Firm is a consumer advocacy firm that focuses on timeshare cancellation. They employ licensed attorneys and provide their clients with legal representation via their partners at Stonegate Law (full service consumer protection law firm).

Their attorneys, case managers, and paralegals review your timeshare contract to determine if legal grounds exist to cancel it, using consumer protection laws and contract analysis.

See if your timeshare may be eligible:

  1. Answer a few questions about your timeshare and contract.
  2. A Stonegate Firm specialist will review your case.
  3. If you qualify, they walk you through the cancellation process.

You’re in good hands. The Stonegate Firm is BBB Accredited with an A+ rating.

Check Your Cancellation Eligibility Free - 30 Second Assessment

Home Insurance: If your income is limited, switch your home insurance and you could save a ton of money

If you have home insurance, you need to see the recent rates available to you. There’s a good chance you’ll want to switch your policy if you see a better rate.

The best way to check for up-to-date rates: Get multiple policy quotes 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.

Provide Home Insurance is a company that matches you with a variety of home insurance options to meet your home insurance needs … including lower overall cost or better overall coverage.

Just answer a few questions, and they will find options that are right for you.

Enter your zip code to get started

Scams and Fraud: American adults lost $47 billion to scams and fraud in 2025

That's right. According to a new report, American adults lost $47 billion to scams and identity fraud in 2025.

But you can safeguard your data with all-in-one scam and fraud protection services from OmniWatch, which comes with up to $2,000,000.00 in identity theft insurance,16to cover eligible losses and fees should you experience them.

Plans start at $11.99 per month and can include comprehensive protection like 24/7 monitoring and alerts, dark web scanning to identify breached personal data (like your SSN and banking info), antivirus and VPN apps for device security, and expert restoration services at no extra cost.

Right now Omniwatch is offering a free dark web scan to check for vulnerabilities. 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.

Start your free dark web scan here here

Give your teen the money app they actually want

When it comes to their money, you want to give your teen freedom — but you also want to see what they’re doing. Most accounts give you one or the other, but not both.

Cash App solves this problem. It’s a secure way for teens to manage money with your help,17and Cash App is U.S. teens' favorite financial services brand for payments.18They can send, spend, and even save, and best of all, there are no monthly or hidden fees.

Check your teen’s activity, balance, and transactions, set limits to build habits responsibly, and know when they send money to someone new. They can even design their own Visa debit card1920 and get instant discounts at places they already shop!

With Cash App, you can give your teen the freedom they want with the safety of your oversight. Download the app today.

Download Cash App for free today

Overpaying on a New Roof: Try this free tool to see if you could pay less for a new roof

It’s amazing this tool works. If you need to repair or replace your roof, answer a few quick questions here and you could pay less on the services, labor, and materials needed.

The tool connects you with trusted roofing pros in your area who have been vetted for licensing, insurance, and reputation. You’ll work with a local contractor offering fair pricing on materials and labor. Take a minute to check and you could put money back in your pocket.

Roof repairs and replacements don’t need to overwhelm you thanks to this tool. Plus, a new or repaired roof could increase the resale value of your home, while boosting your safety and protecting you from further damage.

To get potential savings, answer a few simple questions

Earn a bonus worth $200 to use toward your next flight or hotel 

If you're planning a trip, apply for the Capital One VentureOne Rewards Credit Card (Rates and fees) here and you can earn 20,000 bonus points after spending $500 in the first 3 months — that's worth $200 toward travel!

There is no extra work beyond the spending requirement to earn the early spend bonus, no annual fee, and no foreign transaction fee. The Capital One VentureOne Rewards Credit Card also lets you earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. 

Redeem miles for flights, hotels, and car rentals, OR statement credits, gift cards, and transfers to over 15 airline or hotel partners! If you travel even once a year this card could is worth it and could net you with $100s in rewards to use toward travel. Don't delay — apply today!

Recommended for good or excellent credit.

Click here to apply for the Capital One VentureOne Rewards Credit Card now

Restaurants & Meal Delivery: Take advantage of massive discounts at restaurants and meal delivery companies

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:

  • Restaurants (save up to $450 per year!)
  • Meal deliveries
  • Airfare, Hotels, Cruises and Rental Cars
  • Eyeglasses and even prescriptions that aren’t covered by insurance

Plus you’ll also get insider info on retirement planning, job listings, caregiving.

How to become a member today:

  • Click the link below, select your free gift, and click “Join Today”
  • Create your account (important!) by answering a few simple questions
  • Start enjoying your discounts and perks!

For a limited time, get 30% off your AARP membership, making it just $11/year with a 5-year plan.

Home Equity: Ohio homeowners nearing retirement, borrow from your home’s equity to pay down high-interest debt

Home equity loans are surging in popularity with homeowners with great credit to pay down high-interest debt quickly or make home improvements.

The best part is you can actually keep your current mortgage rate by getting a home equity loan with this genius program!

No hassle. No expensive fees.

Calculate your equity amount and lock in your rate today!

How to get started:

  1. Check out LendingTree’s Home Equity matching tool.21
  2. Answer a few questions about your home.
  3. Lock in your personalized rate and payment.

700+ Credit Score: Compare real offers for $0

Hearing Aids: Get a 45-day no-risk trial for these revolutionary German-engineered hearing aids

Have you noticed voices sounding muffled or find yourself asking “what?” more often? Hearing conversations clearly makes all the difference, whether it’s sharing laughs with family or catching every word with friends. The good news? There’s a simple way to bring back the clarity.

Horizon IX hearing aids by hear.com offer crystal-clear speech understanding using advanced German technology. These nearly invisible, medical-grade devices provide twice the speech clarity of competitors, even in noisy places.

The aids connect to a simple smartphone app that makes them easy to set up and use. Plus, Horizon IX lasts up to 19 hours on a single charge, so no more dead batteries.

hear.com is trusted by over 500,000 customers worldwide, has an A+ rating with the Better Business Bureau and a 4.9/5 rating at Consumer Affairs, and is known for their award-winning customer service.

We recommend at least a 680+ credit score in order to qualify for flexible financing. Click below and enter some information including your phone number. They will contact you via phone and take care of getting everything set up.

Get a 45-day no-risk trial and see if you qualify for flexible financing

Let's find you a better credit card ... or help you save on the debt you already have

If your credit has taken some hits, getting approved for a new card isn't always a sure thing. But that doesn't mean you're out of options.

Answer a few quick questions and we'll try to match you with a card that fits your situation. And if a new card isn't the right move right now, we may still be able to help you lower the interest you're paying on existing balances — which could save you real money every month.

Free, no commitment, and no impact to your credit score.

See my options (no credit impact)

See if you qualify to get your home equity to cover your debt

You can now use your home’s equity to get out of debt for good. The problem is, the traditional financial system has made accessing that equity difficult. But now there’s a new option: a home equity agreement (HEA) from Unlock.

Unlock is a no-brainer if you want to tap your equity without going the traditional route. You can access up to $500,000 with no monthly payments for 10 years, and you could qualify with a recommended credit score of 600+.

It works because Unlock gives you cash today in exchange for a portion of your home’s future value.

See if you qualify:

  1. Complete a fast 60‑second eligibility check here.
  2. Verify details and confirm home value, equity, and ownership.
  3. Get funded and keep full ownership of your home.

Unlock has an A+ rating from the BBB. See if you qualify now and get the funds you need to end your toxic debt loop for good.

Complete this 60-second eligibility check to see if you qualify

Stop getting ripped off by high interest debt payments

If you have credit card debt, you know that paying your bill each month is anxiety-inducing … and sometimes close to impossible with what you have in the bank.

If that’s you, a company called LendingTree21wants to help. They can match you with loan providers that could help you pay off your debt quickly.

Think about it this way: For example, $30,000 in credit card debt at 25% APR will cost you $622.60 every single month in interest alone. But, with a rate as low as 6.50% APR (possible through LendingTree’s lenders), you’d only pay $160.69 interest.

That’s over $460 a month you’d get to keep for yourself in this scenario! Even better, you don’t need a perfect credit score, and checking for loans won’t affect your credit.

Truthfully, this company exists to help you get ahead in life. They have a 4.5/5 rating on TrustPilot with more than 15,000 verified reviews, and you can see your options in a matter of minutes. It’s certainly worth a shot if you’re feeling suffocated by debt.

See if your $30K+ credit card debt is eligible for options with LendingTree

Take control of high interest debt payments

If you have credit card debt, that monthly bill could feel impossible when your bank balance is already running on fumes.

This new tool could help you regain control over your debt quickly. You’ll get tailored recommendations and matches from companies based on your debt situation that could help you pay down your debt quickly and possibly with less interest

Here’s how to get started:

  1. Click the link below.
  2. Answer a few quick questions about your income and financial situation.
  3. Securely connect your accounts through Plaid (banking, savings, credit cards, debt, investments).
  4. Instantly receive a personalized debt solution plan, including which companies could best match your situation.

This service is 100% free. Click the link below and see which programs you might match with.

Click here to see which options you could match with

Advisor Fees: You could be overpaying for your retirement planning

Fees matter. High fees can cut into your returns and affect your overall nest egg. But the ways fees are levied vary. Some are “fee only,” charging a flat rate regardless of usage. Others take a percentage of all assets under management. Some earn commissions directly from mutual funds or other financial products, which presents a significant conflict of interest.

This free matching quiz helps Americans get matched with up to three fiduciary advisors who serve their area so they can compare and decide which advisor to work with.

Ask this company to help you pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Even worse when the IRS starts sending letters threatening wage garnishment and huge fines.

TaxRise is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, TaxRise talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe. They have 4.7/5 stars on Google and an "Excellent" 4.4/5 stars on Trustpilot.

How to get started:

  1. Fill out a quick questionnaire
  2. Receive a call from a tax relief expert
  3. Get a free consultation and find out how to get tax relief

Important: Not everyone will qualify. To take advantage of this special program we recommend you owe more than $10,000 in past-due taxes.

Answer a few questions and keep your phone near you to get started

Earn up to 5% cash back at restaurants and home improvement stores with this incredible card (unlock up to $1,070 in value over the next year!)

There's a credit card that's making waves with its amazing welcome bonus and benefits. Apply for the Discover it® Cash Back (Rates and fees) and you can earn up to 5% cash back at restaurants and home improvement stores now to June 30, 2026, on up to $1,500 in purchases when you activate. 

There's 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!22 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 17.49% - 26.49% Variable. That means you could use this card to fund large purchases or even potentially get out of debt. If you dine out or shop at home improvement stores even once a month, this card is practically a no-brainer!

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

Excellent for high-rate cash back categories
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Rates and fees
Intro APR
Purchases:
0%, 15 months
Balance Transfers:
0%, 15 months;
Balance transfer fee applies
Regular APR
17.49% - 26.49% Variable
Annual Fee
$0
Rewards Rate
1% - 5%info
Cash back
Why We Like It

  • Multiply your first-year cash back: Discover will match all the cash back you’ve earned at the end of your first year.

  • Plus, pay 0% intro APR on purchases and balance transfers for 15 months (then APR is 17.49% - 26.49% Variable)

  • Enjoy no annual fee in addition to the opportunity for generous cash back

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Recommended Creditinfo
Good to Excellent (670 - 850)
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