The 7 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. 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.

2. Get Up to 3.90% APY With This High-Yield Cash Account

It’s hard not to cringe when you see a bank statement full of fees. With Wealthfront, you can forget those annoying bank fees and earn a whopping 3.25% APY through partner banks on your cash — nearly 8x the national average savings rate.

Enjoy unlimited transfers, same-day withdrawals, zero account fees, and no minimum balance requirements to earn 3.25% APY¹. Right now, Wealthfront is giving your savings a little boost with an extra 0.65% APY for three months on up to $150,000. That brings your total to 3.90% variable APY when you open your first Cash Account as a Wealthfront client.

And, you can get started with Wealthfront with only a $1 (terms and conditions apply).

Join Wealthfront today and make your money work for you— not your bank.

3. Lock In Life Insurance From $8/Month

You know that one adult thing that’s been sitting on your to-do list forever? Yeah, life insurance. It sounds complicated and expensive, which is probably why it keeps getting bumped down the list. But it doesn’t have to be a whole thing.

Legal & General America makes getting covered quick, affordable, and 100% online. Just answer a few simple questions and get your quote back right away. No sales pitch, no doctor visits, just quick and painless. You can pick terms from 10 to 40 years, and lock in a monthly rate that won’t go up. Some policies even start at just $8 a month. That could help cover the big stuff like rent, mortgage payments, childcare, or day-to-day bills if something ever happens to you.

Life is already expensive. Protecting your family doesn’t have to be.

Get your free quote from Legal & General America today and see how easy it is to get covered.

4. Turn Your Home’s Value Into Extra Cash

Groceries keep getting pricier, bills never seem to stop climbing, and the house always needs something. If your paycheck isn’t cutting it, a home equity loan could help.

With LendingTree, you can compare personalized offers from multiple lenders in just minutes. And you’ll see your options side by side to find the best fit for your budget. You might even find you can pull more than $100,000 on average* from your home’s equity.

LendingTree can’t guarantee approvals, but they make it easy to shop competitive offers all in one place.

Put your home’s equity to work. See how much you could unlock with LendingTree today.

*Terms and conditions apply. Rates and loan amounts may vary and are subject to change. NMLS# 1136.

5. Let This Free Financial Plan Save You Up to $3,500/Year

You feel like you’ve always been on top of your investments, and you’re proud of how far you’ve come. But you may still be wondering if you’re actually doing enough to fully secure that rich retirement you know you deserve. 

That’s why having a financial plan in place is one of the smartest decisions you could make. 

With The Penny Hoarder, you can get a customized financial plan for free. Anyone is eligible for a free financial plan, but if you have more than $50,000 in investments (or $200,000 if you are retired), you could qualify to connect with a personal financial advisor for an in-depth review of your finances and to confidently plan your next money moves. 

All you have to do is answer a few questions, and you’ll get your free, custom financial plan. 

The best part? This could save you up to $3,500 per year. And it’s completely free — and totally anonymous. You won’t be bombarded with ads or sales pitches. 

There’s literally no catch. Just sound financial advice customized for you. Get your free financial plan here.

6. Get Up to $35K From This Company

Need a little extra cash? We get it. Home repairs, credit card debt, medical bills — life expenses can really sneak up on you. 

But we found a company that can help. 

My Lending Wallet offers personal loans from $500 to $35,000, with no minimum credit requirement. You read that right… you don’t need perfect credit to get a loan. But you will be given an APR rate ranging from 5.99% to 35.99% based on your credit history. 

While the company will work with any qualifying borrower, its policy of keeping APRs under 36% can help consumers with lower credit scores.

You can choose a repayment period between 61 days and 72 months — whatever works for you. Then, just wait for your confirmation email. Keep in mind that some loan requests require a final confirmation by phone before you’re funded. 

My Lending Wallet won’t make you wait in line at the bank, either. If you’re worried you won’t qualify, relax—it’s free to check online and only takes five minutes. You could be on your way to financial relief in no time.

7. Skip the Interest Until 2027 With This Balance Transfer Card

Aiming to ditch high-interest payments and score cash back on everything you buy? Who isn’t, right?

The Citi Double Cash® Card makes a balance transfer easy and affordable, plus you can save money on interest while you earn rewards. With a lengthy 0% intro APR on balance transfers for 18 months (17.49% – 27.49% Variable after), you’ll get some well-deserved breathing room to pay down balances interest-free. Plus, a $200 cash bonus is waiting for you, and you’ll enjoy 2% cash back on everything you buy — helping you make the most of your everyday spending. 

Here’s what makes this card a win-win:

• $200 cash back bonus (after spending $1,500 in the first 6 months of account opening)
• Unlimited 2% cash back on every purchase
• No annual fee
• 0% APR on balance transfers for 18 months

Get the most out of your spending. Apply for the Citi Double Cash card today. 

(Rates and Fees)