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. This Free App Will Give You up to $3K in 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 SoFi Invest* account and fund it with at least $50, they’ll give you stocks in return — worth up to $1,000**. Plus, get a 1% IRA Match on contributions & rollovers. Terms apply.

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 an account and get started. Then, once you fund it with at least $50, SoFi will reward you with your stock — which could be worth up to $1,000. 

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. Access Up to $600K of Your Home’s Equity With No Monthly Payments

Looking for extra cash for a remodel, a new business, or a bigger safety net without adding another monthly bill? Point’s Home Equity Investment (HEI) lets you tap your home’s value without a monthly payment.

No, really. You can check if you qualify in about 60 seconds, see an instant estimate with a clear breakdown, and close in as little as three weeks. Point works with homeowners who have 500+ credit scores, and you don’t need to pay off your first mortgage or meet income requirements.

Whether you’re a few years from retirement, navigating a life change, or planning your next big project, Point’s HEI puts money in your pocket now and gives you breathing room for later.

See how much of your equity you can access without a monthly payment.

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. Slash Your Credit Card Debt — Unlock No Interest Payments Into 2027

Struggling with credit card debt? You’re likely also dealing with high-interest charges that can significantly impact your financial situation — it’s a tough problem to sort out. 

But where to even start?

If you have good to excellent credit, switching to one of these top-tier 0% intro APR cards from Motley Fool Money’s carefully curated list could help you consolidate payments and cut your interest for nearly two years. You could not only fast-track your debt repayment but also save thousands in interest.

Motley Fool is picky, meaning they’ll only highlight cards that really stretch your dollar and cut down on costs. Plus, they break down everything you need to know: from intro-rate deals and welcome bonuses to rewards and fees — no surprises, just clear info.

So if you’re looking for a financial lifeline without the drag of accumulating interest, check out Motley Fool’s list of best cards with 0% Intro APR offers, and wave goodbye to interest until 2027.