The 10 Biggest Money Secrets Most Rich People Won’t Tell You

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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. Invest in Real Estate Without the Volatility — You Only Need $500

You’re not the only one who daydreams about making money in your sleep. And investing in real estate is one of the best ways to earn passive income. The only problem? You need to have lots of money. Well, you used to…

With a company called Connect Invest, you can get your foot in the door for just $500, investing in what are called short notes. Basically, you’re buying the debt that wealthy developers take on to fund their real estate projects — and they have to pay you back, with up to 9% in interest… while you sleep.

With Connect Invest, you’ll invest for terms of six, 12 or 24 months, during which you’ll receive monthly fixed-interest payments between 5.5% and 9%. You could earn a legit passive income with those rates — and it’s way higher than what you’d earn with your savings account!

Connect Invest carefully vets each real estate project and borrower. And don’t worry, all loans are backed by real estate collateral. In the rare event of a default, Connect Invest’s sister company will foreclose on the property with the investors’ approval and sell it to recover your investment.

It’s super easy to get started. It takes just a few minutes to sign up for your free account. Then just select the right short notes for you and sit back and take a nap while all those wealthy developers grow your money.*


2. Invest in Multi-Family Real-Estate (Even if You’re Not Filthy Rich)

The uber wealthy 1% have access to exclusive, lucrative real estate investments that seem totally out of reach to the rest of us.

But not anymore.  A company called CalTier lets you invest in commercial real estate — specifically, multi-family apartment complexes across the country — for as little as $500.

Traditionally, you’d need a six-figure income or a million-dollar net worth to invest like this.

Instead, CalTier lets you invest like the big wigs in the real estate world, even if you’re not rich. Investments in multi-family housing have outperformed the S&P 500 for the last 20 years* — and it’s expected to grow another 33% this year alone.

CalTier also gives you a 30 day money-back guarantee. And if you have any questions along the way, you can talk to a real human to get them answered.

Ready to join the ranks of wealthy and institutional real-estate investors? It’s easy to open a free account and get started here.

3. Let This Company Cut Your Bills by $900/Year

It’s frustrating to know that most of us are overpaying on our bills. But with a lack of transparent pricing, large service providers and corporations can basically charge whatever they want, and increase prices whenever they want.

But a company called BillTrim wants to even the playing field. Using proprietary technology and a team of expert negotiators, BillTrim will negotiate to lower bills on your behalf — saving you up to $900 a year on bills.

Most companies that offer bill negotiation require a monthly service fee and a 40% cut from any money they save you. With BillTrim, you pay a one-time membership fee of $99, and that’s it. No hidden fees, and no cut from what it saves you, either. In fact, if BillTrim experts can’t save you at least $300, you’ll get your $99 membership fee back. It’s that simple.

Here’s how it works: After you sign up for an account, you can keep track of and pay all of your bills in one place. After that, BillTrim does the rest by negotiating the lowest bill terms on your behalf. You might even see results within a few days.

To qualify for the $300 savings guarantee, you’ll need to link at least three recurring bills to your BillTrim account, and you’ll also need to link a bank account that you’ll use to pay your bills.

BillTrim doesn’t have access to your most sensitive information since all your payments are made through a secure and private payment gateway called Plaid. And any info BillTrim does store, like your account credentials, are heavily encrypted.

It only takes a few minutes to set up your account with BillTrim and start saving on your bills.

4. This is One of the Best Ways to Protect and Diversify Your Retirement Funds 

The stock market doesn’t care about the date you’re targeting for retirement. That’s why it’s important to make sure your savings are diversified and protected against market volatility.

A company called Goldco can help you convert some of your retirement savings into pure gold and silver, which have historically been a safe bet over time.

Goldco’s precious metals IRAs are similar to other individual retirement accounts, with the same distribution requirements, except they contain physical gold and silver instead of stocks and bonds.

If you have $50,000 or more in retirement savings you’re looking to protect, get a free kit or consult with Goldco today. 

5. Let This Nonprofit Help You Get Out of Debt — And Stay There 

If you have debt, you know it all too well: Companies come out of the woodwork with emails, phone calls and mailers promising to magically make it all go away. Yep. There are a lot of bad actors out there looking to turn a profit from your misfortune.

Too many people are unaware of non-profit credit counseling organizations like the National Foundation for Credit Counseling. They’ve been offering low to no-cost solutions for getting out of debt since the ’50s.

Getting started is simple: An NFCC-certified counselor will ask a few questions to find out how much and what kind of debt you have, then work with you to build a customized action plan. There are no loans or hidden fees, and they can help just about anyone.

Plus, at the end of the process, you’ll be in a much better position with your credit than you would be with those aggressive, for-profit debt-reduction offers.

It takes just a few minutes to connect with an NFCC-certified counselor and get started on your customized plan.

6. This Website Can Help You Wipe Out Your Credit Card Debt

If you’re carrying around credit card debt, you know how hopeless it can feel. The interest rates alone can make it feel like you’ll never escape.

Meanwhile, your credit card company could care less. They’re getting rich off those sky-high rates, after all.

Luckily, The Rate Chopper could help you start to get rid of all that debt — as soon as a few days from now. Here’s how: The Rate Chopper could match you with a lender and a new loan at a lower interest rate you can use to pay off all your credit card balances. Now you’ll just have one bill to focus on, and with the lower rate, you’ll likely be able to pay off your debt that much faster.

If you have a credit score above 600 and you need to borrow up to $50,000, The Rate Chopper can help you find a loan with rates as low as 5.99% APR.* That’s way better than the 20% or more your credit card is charging you.

It only takes a few minutes to complete the form to get your personalized results —  and checking won’t affect your credit score. Plus, The Rate Chopper keeps your information encrypted and secure.

And if you’re worried you won’t qualify, it’s free to check and see if you match with a lender. It takes just a couple minutes, and it could save you thousands of dollars. Totally worth it.

7. You Can Cancel Your Car Insurance

The rich know this. But did you?

You can save some serious money just by canceling your car insurance and switching companies.

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.

8. 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.

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.

*See terms

9. See if This Tool Can Raise Your Credit — in Just Months

Bad credit? Thin credit? That pesky little score can be a huge roadblock standing in the way of a lot of your goals in life.

Luckily, we came across a company called CreditStrong that wants to help you improve your score — even if you don’t have good credit or you have a “thin” credit file.

CreditStrong gives you the opportunity to demonstrate that you’re credit-worthy. Their credit account works like a savings account, but it gets reported as a credit account.

Every time you save money, they report it as an on-time payment. Make enough on-time payments and you’ll start to qualify for traditional, unsecured credit. And in no time, those credit card companies will start begging you to sign up.

You have to start somewhere, and we can’t think of a better place to do it than CreditStrong. To get started, just create an account and link a bank account to it.

10. You Can Get a 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 shows you what to do with your money, getting you on a path toward a richer life.

But only people making six figures can afford an advisor, right?


The Penny Hoarder can get you a customized financial plan for free. 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 — no matter your financial situation. Get your free financial plan here.

*Connect Invest: 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.

*CalTier: An offering statement regarding this offering has been filed with the SEC. The SEC has qualified that offering statement, which only means that the company may make sales of the securities described by the offering statement. It does not mean that the SEC has approved, passed upon the merits or passed upon the accuracy or completeness of the information in the offering statement. You may obtain a copy of the offering circular that is part of that offering statement here:

You should read the offering circular before making any investment.

There is no guarantee of success, and there is a potential for loss of your investment.

*Approval and loan terms vary based on applicant qualifications. Not all applicants will qualify for the full amount or lowest available rates.

NerdWallet Compare, Inc. (dba The Rate Chopper) NMLS ID# 1617539

CA Fin. Lender loans arranged per DFPI, Fin. Lenders Lic #60DBO-74812

*Sofi Active Invest: Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%.

Terms for ‘Claw’ Promotion:

SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA(, (“Sofi Securities”). Clearing and custody of all securities are provided by APEX Clearing Corporation.

3) SoFi Crypto is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit

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. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.