1. They Protect Their Portfolio With Precious Metals

If the past few years have shown us anything, it’s that you can never tell what’s coming. Disruptions to the market can come out of nowhere. Between the pandemic, supply-chain issues and bear markets, a lot of people’s retirement savings felt the impact. 

That’s why it can be a smart idea to look for ways to protect your retirement savings from the unpredictable. For a lot of people, investing in precious metals is a way to diversify and protect their investments. One way to do this is with a precious metals IRA through a company like Advantage Gold. 

Precious metals often outperform other investments in a volatile market, and their value tends to rise with inflation, making them an effective hedge during uncertain economic times. For example, if you had invested $100,000 in gold in 2000, you’d have more than $600,000 today.

Opening a gold or silver IRA is easy, and you can roll over funds from existing retirement accounts, or transfer cash into your IRA to purchase precious metals.

And if your plans ever change, Advantage Gold offers buyback services if you decide to liquidate your investment. Plus, Advantage Gold has a 4.9 star Trustpilot rating, and their experts will guide you through all available investment options that align with your risk tolerance and goals.

Want to diversify and safeguard your investments by adding gold and silver to your portfolio? It’s easy to get started here and get your free guide to learn more. 

2. They Use a Financial Advisor. You Can Get Matched With One for Free

The super wealthy didn’t get that way by mistake. They’re smart: They know how valuable it is to get an expert’s help with their money. The professionals simply know things we don’t.

But for the rest of us, getting a financial advisor sounds expensive and tedious. That’s why we like a company called Unbiased. They’ll match you with a financial advisor in your area — for free.

No two people have the same financial situation, which is why Unbiased matches you with the best financial advisor for your specific situation, so you get an expert in the areas you need. 

There’s no obligation to hire the advisor, and Unbiased screens every advisor to make sure you’re only getting matched with the best experts. 

Want to get a customized financial plan? Just start here to get matched with a financial advisor for free

3. They Don’t Wait for Payday 

Do you ever feel like you’re waiting forever for payday? Wealthy people certainly don’t. And thanks to a banking app called Chime, you don’t have to, either.

Having access to your paycheck without having to wait until payday can make a big difference in your daily life, and when you open an account with Chime and set up direct deposit, you can get paid up to two days early.**

More days with your money in hand means more opportunities to save, invest or enjoy life’s luxuries. 

Plus, Chime will spot you up to $200** on debit card purchases with no overdraft fees. And there’s no minimum balance, no monthly fees and no foreign-transaction fees, and you get access to more than 50,000 fee-free ATMs*** at stores like Walgreens, CVS, 7-Eleven and Circle K. 

Want to get paid up to two days earlier? Open an account with Chime today and set up a direct deposit to start experiencing the benefits. 

4. They Know You Can Get Paid for Your Old Jewelry

You don’t have to be rich to have some old jewelry. Chances are you’ve got something lying around that you don’t wear anymore. Maybe it’s no longer your style, or maybe you inherited it, and it’s just sitting in a jewelry box or safe deposit box.

Maybe you’ve considered selling it but are wary of scams and lowballers or don’t even know where to begin.

A company called Alloy wants to buy your old gold, silver and platinum jewelry (in any condition), and they guarantee the highest price in the industry. They’ll even match other offers.

Alloy partners with refineries that use precious metals in everyday products like electronics, vehicles and healthcare equipment, so they’re able to use their connections to offer the best price.

It works like this: First, Alloy will assign you a dedicated advisor and send you a free appraisal kit to see how much your jewelry is worth. And don’t worry — shipping and returns are totally free and come with insurance up to $100,000. And there’s no pressure to sell.

Then, Alloy’s experts will give your jewelry a detailed inspection on video, weighing it and testing its purity to see how much it’s worth and make you a cash offer. If you accept, you’ll be paid the same day. Alloy says nearly 100% of customers accept the offer. Plus, they have an A rating with the Better Business Bureau.

So if you’ve got some old jewelry you’re interested in selling, it’s free to get an appraisal and offer from Alloy. 

Get your free appraisal kit here to see how much you could get paid.

5. They Know You Can Become Debt-Free — For Less Than You Owe

If you carry debt, you know how overwhelming and isolating it can feel — especially if you’re facing financial hardship, like divorce or job loss. Your balance keeps growing, and you can struggle to even make the minimum payments.

But there’s one strategy for getting out of debt that’s often overlooked entirely. A company called National Debt Relief could help you become debt-free — and you might not even have to pay your full balance.

Here’s how it works: First, set up a quick call with a debt specialist at National Debt Relief to tell them a bit about your situation. The consultation is totally free, and there’s no obligation. They’ll explain your options. 

With debt settlement, their experts will negotiate directly with your lenders to agree on a reduced balance, meaning you could pay less than what you owe. 

With debt consolidation, all your debt is combined into one new loan, ideally with a lower interest rate. This helps you pay off your balance faster and saves money on interest payments. 

If you have high levels of unsecured debt and are struggling to keep up with your minimum payments, you could be a good candidate for National Debt Relief. The first step is to set up a free, no-obligation call with an expert to see how much you could save.

6. They Earn Passive Real-Estate Income — You Can Start With Just $100

Investing in real estate has always been a way the wealthy earn passive income. There’s just one problem. We’re not all wealthy. We can’t all afford to just go out and buy a rental property.

Luckily, a company called Arrived lets you invest in rental homes and vacation properties with a minimum investment of just $100. The best part? You don’t even have to be a landlord. Arrived handles all the nitty gritty work. 

The process is simple. Just sign up, then browse the available properties, like a single-family rental home in Charlotte, or a vacation rental in the Catskill Mountains. You decide how much you want to invest, then watch for property appreciation and quarterly rental income payments. 

More than 540,000 people have already invested with Arrived, and it’s already paid out $3.5 million in dividends to its investors. Depending on the property and terms of the investment, investing in single-family and vacation-rental properties has historically yielded between 6% and 15% returns.

Want to start earning passive rental income? Click here to get started for as little as $100.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

*SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account  up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

**Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

***Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. 

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