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Ever wonder how a millionaire becomes a millionaire? Well, some were born that way — how's that silver spoon taste? Others got lucky. But many got to this 7-figure milestone through hard work and smart money decisions.
If you're seeking out this kind of financial advice then you probably already know how to chase down your dreams. Whether it was buying your first home, getting that big promotion, or maxing our your 401(k), you know what it feels like to set a financial goal and achieve it. Becoming a millionaire is no different from those other goals. You can approach it the same way — just take it step by step and make smart decisions.
To make your path to $1,000,000 a little easier, we're here to share some simple lessons from millionaires who came before you.
Pay no interest on qualifying balance transfers until February 2025
Imagine getting 0% interest for 15 months from account opening on qualifying balance transfers. Sounds great — right? You could dramatically change your financial picture with this industry-leading low-interest card - the Wells Fargo Active Cash® Card(Rates and fees).
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 from account opening on qualifying balance transfers. Your payments can go directly to paying down your qualifying 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 15 months from account opening on purchases. After the intro period for purchases and qualifying balance transfers, the APR is 20.24%, 25.24%, or 29.99% Variable.
The best part? There's no annual fee.
You’ll need good or excellent credit (typically 670 or higher) to qualify.
Get out of $10,000 or more in 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.
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 can immediately assist you in paying off your debt, but only if you schedule the assessment.
Prepare for market volatility by diversifying with gold
Stock market volatility can be financially harmful, especially if you’re approaching retirement. You could park your investments in a savings account, but have you compared interest rates with inflation lately? Another option to consider — diversify with precious metals like gold and silver.
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 be able to 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.
Lear Capital offers a free precious metals investor kit to help you learn more about why physical gold and silver could be a smart choice for diversifying your portfolio, and how the process works.
Diversify your portfolio with gold
Stop wasting money on overpriced 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.
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.
You’ll need good or excellent credit (typically 670 or higher) to qualify.
Take this quiz to get matched with a financial advisor to help you thrive in a recession
If your investments and retirement accounts are more than $500,000, compare up to 3 fiduciary financial advisors who serve your area and hire the pro who fits your unique needs.
A study by legendary investment firm Vanguard found that, on average, a $500,000 investment over 25 years would grow to $1.7 million if you manage it yourself, but more than $3.4 million if you enlist professional help.
Here’s how to find a financial advisor in the next five minutes:
1. Take this 5-minute retirement quiz from SmartAsset. (Yes, there are a fair amount of questions but they are all easy.)
2. Make sure you enter your zip code towards the end so you get matched with up to three financial advisors4
who serve your area.
3. Once you’ve got your matches, get a free consultation with each!
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.)
Benefits
Card Details
- 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.
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FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
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Long introductory APR period for balance transfers
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