The 6 Biggest Money Secrets Most Rich People Won’t Tell You

You know what they say about secrets. They’re no fun.

And when it comes to the super rich, trust us — they’ve got plenty of secrets. And why would they reveal the keys to their success with you, anyway? The more for them, the better, right?

Well, the cat’s out of the bag. These are the biggest money secrets the elite don’t want you to know:

1. Earn Up to $300 When You Direct Deposit With This Account

Still got your money sitting in a regular bank account doing basically nothing? Same. Most places are still offering around 0.40% APY — which, let’s be honest, isn’t even coffee money.

SoFi Checking and Savings (yep, Member FDIC) is kind of a game-changer. Set up direct deposit or keep $5,000+ in your account, and you could earn up to 3.80% APY on savings and 0.50% on checking. And for a limited time, earn an extra .20% Boost on Savings APY for 6 months on new accounts with Direct Deposit. Terms apply. Even without direct deposit, you still get 1.00% APY on savings — which blows most banks out of the water.

And you’ll get a $300 welcome bonus when you set up direct deposit. 

There are no monthly fees, no overdraft fees, and no minimums. You can get your paycheck up to two days early, hit up 55,000+ fee-free ATMs, and your money is insured up to $3 million through SoFi’s Insured Deposit Program.Ready to put your money to work?

Open a SoFi Checking and Savings account today and start earning more.

2. Cancel Your Car Insurance

You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix. 

Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $1,025 per year. 

If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you. No phone calls. No spam. Just happy customers (4.7 rating on Trustpilot).

Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.

3. This Free Tool Finds the Best Personal Loan for You — And You Could Get Up to $100K

Trying to get a personal loan but don’t feel like jumping through a thousand hoops first? Same. That’s why Best Money is actually pretty refreshing.

It’s great if you’re dealing with credit card debt, a big expense, or just need some breathing room. And honestly? It only takes a few minutes and feels way less stressful than the usual process.

Instead of making you apply just to find out what you qualify for, it flips the script.

You can check out real offers from legit lenders — we’re talking up to $50,000 or even $100,000 — and the best part is, you don’t have to fill out a full application just to see what’s out there. You get to look at your options first, compare rates, terms, and monthly payments side by side, then decide what makes the most sense for you.

Take a minute to check out Best Money — could be the easiest step you take toward getting your money sorted.

4. Spend Smarter — These Cards Will Reward You Every Time

Not to be dramatic, but if you’re not using a cash back credit card, you might be missing out on free money. And not in a “win the lottery” way, we’re talking real, everyday rewards for the stuff you already buy.

CardCritics just put together a list of solid cash back cards. You’re already buying groceries and paying for gas and streaming stuff anyway… might as well get rewarded for it, right?

Here’s what a lot of the top picks come with:

• Cash back on things like groceries, gas, dining, and even streaming
• Welcome bonuses (earn extra money just for using your card like normal? Yes please)
• No annual fees on plenty of them
• Easy ways to redeem rewards — think credits, cash, or even travel

So if you’re ready to stop letting your credit card do nothing for you, check out CardCritics’ featured picks. You might as well get rewarded for being a responsible adult.

5. This Free App Will Give You up to $1K in Free Stock Just for Signing Up and Funding Your Account

Inflation is doing a great job of making it really difficult to buy, well… anything. And that includes stocks. 

Luckily, when you open a free SoFi Invest account and fund it with at least $10, they’ll give you free stocks in return — worth up to $1,000**. Plus, get a 1% IRA Match on contributions & rollovers. Terms apply.* And for a limited time, get up to $2,000 when you open and fund a new Active Invest account and enroll in SoFi Plus.***

With SoFi, You can buy full or fractional shares of popular stocks, plus you can invest in exchange-traded funds — or collections of stocks.

If you’re new to investing, SoFi has automated investing tools to help simplify things. Plus, they won’t charge you any SoFi management fees.

It only takes a minute to open a free account and get started. Then, once you fund it with at least $10, SoFi will reward you with your free stock — which could be worth up to $1,000. 

6. See How Much Home Equity You Can Access

Your home is more than just a place to live—it’s also one of your biggest financial assets. With a Home Equity Line of Credit (HELOC), you can tap into your home’s value to fund renovations, consolidate debt, or cover unexpected expenses.

Best Money’s HELOC marketplace makes finding the right lender easy. Instead of searching lender by lender, you can compare top-rated HELOC offers in minutes and choose the one that fits your needs and budget. No guesswork, no long applications—just clear options to help you make the best financial move.With competitive rates and flexible terms, a HELOC could be the key to unlocking new opportunities. Check out Best Money’s HELOC marketplace today and see how much equity you could access.

*See terms

*Users must meet certain suitability standards pursuant to the Connect Invest II Offering Circular, users must complete their first investment within 40 days of signing up in order to be eligible for the incentive will receive their $50 bonus with their first interest earnings. Past performance does not guarantee future results or success. The material contained herein does not constitute an offer to sell or a solicitation of any offer to purchase these securities, nor shall there be any sale of these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful.

1 SoFi Active Invest Standard Pricing and Fee Schedule Disclosure

2 Customer must fund their Active Invest account with at least $50 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.

Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org)

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform.Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org)