The 8 Biggest Money Secrets Most Rich People Won’t Tell You

Getty Images
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

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 secret can get you closer to achieving your big goals.

Take a look:

1. You Can Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

2. You Can Stop Paying Your Credit Card Company

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

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. 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.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

3. Let This App Pay You up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

4. You Could Leave Your Family an Inheritance — Even if You’re Not a Millionaire 

Maybe you’ve thought about how your family will be able to pay the bills after you’re gone. How will they keep the house or send the kids through school?

The families of the wealthy can usually count on an inheritance. But what about the rest of us?

Good news: You could still leave your family the money they’ll need — even if you’re not rich. With a company called TruStage®, it takes only moments to get a quote for life insurance online. You can do it without a medical exam, and TruStage makes it simple to understand exactly what you’re getting and can help you find coverage that might fit your budget.

Trustage will ask for your ZIP code, birthdate and gender. Then it’ll give you a quote with some additional information to help you decide what coverage makes sense for you. TruStage is designed to be affordable, and it’s underwritten by CMFG Life Insurance.

You can get approved as soon as the same day.

So if you want to help make sure your family is taken care of after you die, see if you could get this life insurance that was designed to be affordable. Get your free quote here.

5. This Secret High Yield Account Pays You Up to 40x the Average Interest Rate

Is your savings account just a glorified safe? If you’re earning the typical interest rate from a big bank, it probably is.

But a free account called Tellus pays up to 4.50% APY — more than 34 times what the average savings account pays.

How? Tellus uses real estate income to supercharge your savings. Tellus lends money to highly-qualified borrowers who want to make improvements to their single family rental properties. These are short-term loans that are fully secured, and Tellus is picky about who gets to borrow from them.

Here’s what it means for you: When you open an account, you can earn passive income on your savings, earning as much as 4.50% APY daily, and as much as 10.0% APY during promotional periods (they hit you with this right out of the gate).  

You’ll need to download the app and deposit at least $120 to open an account. The interest compounds daily, and you can cash out whenever you want. Download the app here to start earning more than 34 times more on your savings.

6. This App Can Help Save You $720 This Year

Keeping track of your subscription services can feel like a game of whack-a-mole. Just when you think you’ve got a handle on them all, another random charge pops up on your bank statement.

It’s easy to let it slide — $5 here, $10 there. But it can seriously add up.  Luckily, an app called Rocket Money can show you exactly where you’re wasting money on forgotten subscriptions and bills that are overcharging you. It saves the average person $720 a year.

Rocket Money helps you find and cancel things like unused streaming subscriptions and expired free trials, and they’ll also negotiate lower monthly rates with your internet company, phone company and other bills — for the same service.

Rocket Money has already saved users more than $245 million, and it uses Plaid to make sure all your sensitive information is safe. The app does all the heavy lifting. All you have to do is sign off on these money-saving changes.

It takes just a few minutes to get started and see how much you could save this year. Just register an account and link your bank account, then sit back while Rocket Money goes to work.

7. This App Will Pay Off Your Credit Cards

Even when you pay more than the monthly minimum, credit card companies still like their chances. They know it’s only a matter of time before you miss a payment, increase your balance or go back to paying the minimum.

High-interest rates and fees are carefully calculated to keep you locked into years of carrying balances on your credit cards. But an app called Tally can help you break free.

First, Tally gives you a low-interest line of credit* to consolidate your balances. From there, Tally optimizes your monthly due date (no more scrambling to keep up with multiple due dates).

Once you pay on your new balance regularly, Tally will even give you discounts to help you pay it off even faster — you could pay off all of your cards in half the time.

Simply download the iOS app, scan in your credit cards, and if you qualify (with a minimum credit score of around 580), Tally will give you a line of credit to get your credit cards under control.

8. You Can Earn Cash Back When You Travel

Everything is getting more expensive these days — and travel is no exception. But that doesn’t mean you have to break the bank just because you need to catch a flight or book a hotel.

With Rakuten, you could be earning cash back on all of your travel-related purchases, like flights, hotels, car rentals and even vacation packages. You’d be booking these anyway, so why not get cash back while doing it?  We’ve seen cash back as high as 10%!

Just shop through Rakuten’s website or browser extension and claim your cashback offers, then redeem them via Paypal or have them mail you a check.

It’s free to sign up for Rakuten and start activating cashback offers — you’ll even get a $10 welcome bonus on your first order.


* Tellus is a financial technology company, not a bank. Your Tellus account is not FDIC insured. Banking services are provided by Chase Bank and Silicon Valley Bank; members, FDIC. Payment solutions are provided by Stripe and Plaid.

¹ Based on the Monthly Rate Cap data from the FDIC for August 2022.

Tally is currently available in Ala., Alaska, Ariz., Ark., Calif., Colo., Conn., Del., Fla., Ga., Hawaii, Idaho, Ill., Ind., Iowa, Kan., Ky., La., Md., Maine, Mass., Mich., Minn., Miss., Mo., Neb., N.H., N.J., N.M., N.Y., N.C., N.D., Ohio, Okla., Ore., Pa., R.I., S.C., S.D., Tenn., Texas, Utah, Va.,Wash., Wis., Wyo.

**subject to approval


*Tally Technologies, Inc. (NMLS # 1492782 NMLS Consumer Access, [See Licenses]). Lines of credit issued by Cross River Bank, Member FDIC, or Tally Technologies, Inc. (“Tally”), as noted in your line of credit agreement. Lines of credit not available in all states.

Loans made by Tally pursuant to California FLL license or other state laws.

To get the benefits of a Tally line of credit, you must qualify for and accept a Tally line of credit. Based on your credit history, the APR (which is the same as your interest rate) will be between 7.90% – 29.99% per year. The APR will vary with the market based on the Prime Rate. Annual fees range from $0 – $300.

Sesame Cash:

1 This is a limited time offer. To be eligible for cash rewards, a minimum deposit, every 30 days, must be made into your Sesame Cash account. Rewards earnings are available for credit score improvements of ten points or more within a 30-day reward cycle. Improvements are calculated from your baseline credit score, as determined by Credit Sesame. Please review the full program terms for more details, including the minimum deposit amount for this program term.

2 Cash back offers are powered by Empyr, Inc. and Button, Inc. Cash back requires the activation of any active offer before payment is made. Offers vary by geographic location and are subject to change. Please review the full program terms for more details. 

*Cash tournaments are not enabled in the following states: DE, LA, MD, MT, TN, IN, ME, TX. If you don’t live in a real prize-enabled region, you can still play for fun with our virtual currency.


TruStage® Insurance products are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution. Product and features may vary and not be available in all states.