The 9 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. Let This Company Help You Find and Compare Top CD Bank Rates

When it comes to finding the best interest rates, most financial institutions hope you’ll take them at their word. Except, the words they use are often intentionally a little vague. 

They can’t all have market-leading rates, right?

CD Valet® is a free service that lets you compare thousands of certificate of deposit (CD) rates from over 4,000 community banks, credit unions, and big banks, too. 

With CD Valet, the process is simple. You can shop and compare top CD rates from different banks and credit unions through one site. Browse their Featured CD section for great offerings and filter CDs by rate, term, or deposit restriction.

Access calculators to help determine your estimated earnings at maturity. When you create a free account, use the CD Portfolio tool to view all of your CD accounts in one place. You can even set up rate and maturity alerts.

CD Valet was developed by bankers and their platform ensures your security with bank-grade compliance.

Ready to separate fact from fiction? See the best CD rates for yourself with a free CD Valet account.

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 $996 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.

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. Get Paid up to $360/Year With This Free Debit Card

Wouldn’t it be nice if you got special treatment wherever you went? You can actually get rewards wherever you shop, using this free debit card from Discover.

You’ll earn 1% cash back on every single purchase you make using your Discover® Cashback Debit account, on up to $3,000 monthly.* There’s no impact on your credit score for signing up and no minimum balance requirements ever.

Need groceries? Tap your card for cash back. You can also get paid sooner with Early Pay direct deposit, protect against overdrafts and access to over 60,000 ATMs without fees. You can handle all of your banking needs through the app and connect a virtual wallet like Apple Pay to amplify your rewards. And on top of all that, checking-account deposits are FDIC-insured up to the maximum amount allowed by law.

Does your bank do all that? If not, open a free Discover checking account to get special treatment from a bank that will actually put money back into your account.

*See website for details.

4. Protect Your Household from System & Appliance Breakdowns — and Save BIG!

It’s possible your fridge or HVAC system could turn on you at any moment, and there’s nothing your homeowner’s insurance would do to protect you.

Besides, would you really want to wait on insurance to get around to begrudgingly sending out help?

Choice Home Warranty’s plans deliver rapid response times for household repairs. Service is available 24 hours a day via their app, website, or phone.

A small monthly fee protects your washer, dryer, HVAC system, stove, fridge, and more—things your insurance company won’t. 

And not to keep bashing your awesome homeowner’s insurance, but these home warranty plans cost way less and could save you much more money than insurance.

Choice Home Warranty has protected more than 2 million homes from having to cancel plans or lean on credit cards. With a network of over 25,000 insured technicians, help is never far away.

Learn how you can get a Free Quote. Just take this 30-second quiz to learn how much coverage you need to protect your finances from appliance repairs.

5. This App Can Help you Build Wealth – Even if You’re Broke

You already have a job, so investing your money shouldn’t feel like working overtime. And why’s there so much jargon? And hidden fees? And minimum deposits?

It’s almost like they don’t want non-rich people to invest with them. 

A company called Moby can help you build wealth through the stock market without requiring a $10k investment or using industry jargon to discourage people who work for a living.

You can even see the trades politicians are making and do the same.

Here’s the rundown: You can potentially earn 12% on whatever you invest with Moby. And a subscription to their plain-language insights and recommendations only costs about $8 a month.

Whether you want to learn the market or just grow your money, a Moby subscription arms you with as much or as little information as you want:

  • Morning newsletter and end-of-day report
  • The Flagship podcast and audio/video reports
  • Market reports
  • Online courses to learn more about trading
  • Hedge fund tracker
  • Political trade tracker
  • And much more

This could be the money-making opportunity you’ve been looking for. So, jumpstart your investing journey with a Moby account and start growing your money for $8 and change per month.

6. Slash Your Credit Card Debt — Unlock Up to 18 Months of No Interest Payments

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 The Ascent’s carefully curated list could help you consolidate payments and cut your interest for up to 18 months. You could not only fast-track your debt repayment but also save thousands in interest.

The Ascent 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 The Ascent’s list of best cards with 0% Intro APR offers, and wave goodbye to interest for up to 18 months.

7. Make Up for Lost Time and Leave Your Family $250K+

We never seem to have enough savings or investments. But there’s one particular way to make up for that shortfall: life insurance.

None of us like to think about what happens to your family if you pass, but this is a smart way to free them from a burden – and give you peace of mind.

With NerdWallet, you can get multiple life insurance quotes all in one place and find a plan that’s probably far more affordable than you think.

You can choose whole life plans if you want to do it once, forget about it and have coverage for the rest of your life. Or you can pick from term life plans to get even lower rates with coverage that can last a few decades.*

Is it finally time to get covered? It’s easy to get life insurance quotes from NerdWallet to see just how affordable a good policy could be for you.

8. Have 10K+ In Investments? This Free Financial Plan Could 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 $10,000 or more 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.

9. See If You’ve Been Paying for Someone Else’s Mistakes

Be generous, but not this generous. If you haven’t looked into spotting and fixing issues on your credit report, you’ve been paying for someone else’s mistake.

Is your payment history accurate? Is your account balance accurate?

Lexington Law Firm can review your credit report with you and help fix most mistakes they find

Their attorneys and paralegals can file disputes on your behalf and protect you against shady credit reporting processes.

You only need to put a card on file to see how they can help you.

So, if you’re tired of paying for mistakes you don’t even know about, ask Lexington Law Firm to review your credit report and fight for you.


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Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.


*The Penny Hoarder receives compensation when you click on the link in this article and book a consultation with Domain Money. See important disclosures at