10 Quick Steps That’ll Have You Managing Your Money Like A Millionaire

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  1. Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)

    But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.

    These are simple money moves any normal, non-millionaire person can make today. Each tip can get you closer to achieving your big goals.

    Take a look:

  2. 1. See if You Can Get Free Money From This Company

     Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

    Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

    Need to buy groceries? Extra cash.

    Need to fill up the tank? Bam. Even more extra cash.

    You were going to buy these things anyway — why not get this extra money in the process?

    Enter your email address here, and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”

  3. 2. Cancel Your Car Insurance

    Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?

    A website called EverQuote makes it super easy to compare car insurance prices. All you have to do is answer a few questions about yourself and your driving record, and it’ll show you your options.

    Doing this could save you up to $610 per year on your insurance. Seriously.

    It takes just a few minutes to look at your options and see how much you could save. And the best part? Because we’re driving less, some insurers are slashing prices this month.

  4. 3. This Guy Added Nearly 300 Points to his Credit Score — See How You Can Raise Yours, Too*

    A man works on his laptop.

    You’ve got big plans. Maybe you’ve got your eye on a new car. Or you’re hoping to buy a house in the next few years. Or you’d even like to start your own business. But here’s the thing: No matter what your goals are, you might not realize how much your credit score is standing in your way.

    The good news? A free website called Credit Sesame makes it easy to put your credit score on track to reach your goals. We even talked to one guy, James Cooper, of Atlanta, who used Credit Sesame to raise his credit score nearly 300 points in six months.*** He says they showed him exactly what to do — he was even able to open his first credit card.

    What could adding 300 points to your score mean for your goals? It could easily save you thousands of dollars over the life of a car loan or mortgage. 

    Within two minutes, Credit Sesame will give you access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

    Make sure your plans don’t get sidelined by bad credit. Sign up for free (it only takes about 90 seconds) and see how much you could improve your score.

  5. 4. Use up Your Entire Paycheck

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    No, we’re not talking about going to Whole Foods and buying out its fancy cheese supply (though that’s the first thing we’d do if we had $1 million). Instead, we’re talking about creating a zero-based budget, a budget that finds a place for your every dollar.

    You’ll want to start by tracking a month of expenses. How much do you (or don’t you) have remaining? Then, consider your financial goals. Do you want to save money? Invest money? Pay off debt?

    Work backward to cut your expenses until you can achieve that goal. It might take some patience, but it’ll pay off.

  6. 5. Cut Your Homeowners Insurance Bill To as Low as $28/Month

    Homeowners insurance is likely one of those bills you can’t escape if you’re a homeowner. And chances are, you’re probably overpaying for it, too. 

    But if you take two minutes to get quotes from a website called Insurify, you could save hundreds of dollars a year — and you could even receive your policy via email today. 

    Insurify makes it easy to compare your homeowners insurance options all in one place. We’ve seen people paying as little as $28 per month. You don’t need to have insurance already, and you won’t have to pay any hidden fees. 

    Just fill out a quick form about your property and see how low of a rate you can get. Insurify will even do the math and show how much you can save with a new policy. 

    People who do this save hundreds of dollars a year on their homeowners insurance policy. All it takes is two minutes to find a lower rate on your homeowners insurance

  7. 6. Let This Free Financial Plan Save You up to $3,500/Year

    Having a financial plan is one of the smartest decisions you can make for your future. It’ll help right the wrongs you’ve made and get you on a path toward a richer life. 

    But only people making six figures can afford a personal advisor to analyze their finances and give them personalized recommendations, right? 

    Wrong. 

    A company called Anasova uses AI software to replace those expensive sessions with financial advisors. It takes less than 10 minutes to answer some questions about your money habits and goals, then you’ll get a super-personalized PDF outlining what you need to do to reach them. 

    Even better? Anasova’s financial plan is completely free — and totally anonymous. You don’t even give them your email address. They won’t bombard you with ads or sell you other products, either. 

    There’s no catch; Anasova was built by one of the nation’s top wealth management executives who wanted to make it easier for everyone to get access to financial management — not just the rich.

    Now you can get access to custom financial advice — even if you’re not a millionaire. Just click here to answer a few questions and get your free financial plan from Anasova now. It could save you thousands.

  8. 7. This App Will Give You $5 That You Can Invest in Gold and Other Precious Metals 

    Have you ever wondered where the term “gold standard” came from? 

    We use it now to describe the best of something — like how The Penny Hoarder is the gold standard of personal finance websites. But it used to refer to the fact that gold was the official yardstick to measure the value of money. 

    And while the U.S. dollar hasn’t been backed by gold in half a century, it’s still a highly sought-after precious metal that people invest in. And you don’t need a giant safe or a high-security account in Switzerland to get in on the action. 

    In fact, with an investing app called Stash, you can join what’s normally exclusive to the richest of the rich for as little as $1 — investing in pieces of well-known companies like Amazon, Google and Apple, as well as ETFs made up of precious metals, including gold. They’ll even give you $5 to put toward one of these ETFs just for opening and funding your account. 

    The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1 

    When you use this link to sign up, Stash will give you a $5 sign-up bonus to invest in the precious metal industry  (or whichever investment you want) once you open a Personal Portfolio and deposit $5 into your account.2

    It takes two minutes to sign up, and it’s totally secure. With Stash, investments are held by their custodian, Apex Clearing Corporation, a member of the Securities Investor Protection Corporation (SIPC) — that’s industry talk for, “Your money comes with protection.”3

    1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year. Dividends may be subject to additional taxes, and are considered taxable income. Please refer to the IRS for additional information.

    2 Offer is subject to Terms and Conditions. To be eligible to participate in this Promotion and receive the Bonus, you must complete the following steps: (i) successfully complete the designated registration process of opening an individual taxable brokerage account (“a Personal Portfolio''), (ii) link a funding account (e.g. an external bank account) to your Personal Portfolio, AND (iii) initiate and complete a minimum deposit of at least five dollars ($5.00) into your Personal Portfolio. In the event you only complete the designated registration process to receive the Financial Counseling Service (as defined in your Advisory Agreement) or do not otherwise complete the account opening process for an individual taxable brokerage account (“Personal Portfolio”), you will not be eligible to receive the Bonus.

    3To note, SIPC coverage does not insure against the potential loss of market value. Apex Clearing Corporation is a third-party SEC-registered broker-dealer and member FINRA/SIPC

    For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

    The Penny Hoarder is a Paid solicitor of Stash. 

    This information is for educational purposes only. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value. All product and company names are trademarks ™ or registered ® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

  9. 8. Stop Paying Your Credit Card Bill

    If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

    Your credit card is getting rich by ripping you off with insane rates, but there are other, nicer companies that’ll help you out. A website called Credible knows the best ones and could pair you up as soon as tomorrow. 

    Here’s how it works: Credible will match you with a loan that’ll cover your credit card tab. Use that loan to pay off your debt, then make monthly payments to repay the loan. It could lower your monthly payments and help you pay off that debt a lot faster.

    Plus, no credit card payment this month.

    And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

  10. 9. Protect Yourself from Hackers, Dark Web Dealers and Criminals With This 2-Minute Move

    Identity theft is a scam that happens all too often. We hear a lot about this happening to older Americans, but in reality, no one’s off the hook these days. Nearly 1.4 million people found themselves victims of this credit-crushing crime in 2020 alone, according to the Federal Trade Commission.

    But a company called Identity Guard can help protect you and your family against these threats. It works with IBM® Watson™ — artificial intelligence that will constantly scan the web for fraudulent uses of your personal information. If it finds a threat, it sends you alerts in just seconds.

    If your credit card number is exposed on the dark web, hackers breached a company with your information or a criminal infiltrated your bank account, Identity Guard can help you get your identity back. With a call center based in the US, you’ll be able to speak with a dedicated case manager throughout the whole process. 

    Approximately 47 million people have used Identity Guard to help protect their personal information, giving them a 4.5 rating from Consumer Affairs. Plus, they’ve been in business for nearly 20 years.

    Signing up is super simple, and plans start at $6.67 per month — which includes a $1 million insurance policy* to cover all eligible losses. So no matter who gets a hold of your info, you’ll be protected. 

  11. 10. Get a Free $225 in Cash

    If we told you you could get free money just for watching videos on your computer, you’d probably laugh.It’s too good to be true, right? But we’re serious.

    A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.

    All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.

    InboxDollars won’t make you rich, but it’s possible to get up to $225 per month watching these videos. It’s already paid its users more than $56 million.

    It takes about one minute to sign up, and you’ll immediately earn a $5 bonus to get you started.

  12. ***Like Cooper, 60% of Credit Sesame members see an increase in their credit score; 50% see at least a 10-point increase, and 20% see at least a 50-point increase after 180 days.

    Credit Sesame does not guarantee any of these results, and some may even see a decrease in their credit score. Any score improvement is the result of many factors, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning and developing better credit habits.

    * Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.

    1According to a GOBankingRates savings survey


    2Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Spending Account to into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more into your savings account.


    1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.

    2To note, SIPC coverage does not insure against the potential loss of market value.

    For Securities priced over $1,000, purchase of fractional shares starts at $0.05.

    *Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.

    The Penny Hoarder is a Paid Affiliate/partner of Stash. 

    Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.