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Save Money

7 Steps Every 49-Year-Old Should Make If They Want To Retire Early

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.

If you want to retire before 66 but your income doesn’t allow you to invest thousands of dollars a month, we’ve got seven simple steps 49-year-olds can use as a starting point to set your retirement planning up for greater success and earlier achievement.

1. Give Your Family $1,000,000

Have you thought about how your family would manage without your income after you’re gone? Chances are your retirement savings and checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But we hear people are paying as little as $16 a month. 

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

2. Buy a Piece of a Corporation (Even If You’re Not Rich)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app StashThey make it easy, plus they’ll give you $5 of stock in Amazon or Google (or another company of your choice) just for opening an account. 

The best part? When these companies you invest in profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

Enter your email address to quickly sign up (you only need to deposit $5 into your investment account to get the $5 bonus).

3. See If You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money for your retirement account in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance 

Did you know you can save some serious money for retirement 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.

5. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.  

An investing app called Robinhood will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. Get a Free $2,700 to Put in Your Retirement Account

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching the news. You could add up to $2,700/year to your retirement account by signing up for a free account with InboxDollars

It’ll present you with short news clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. 

This might sound too good to be true, but it’s already paid people more than $59 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

7. Add up to 300 Points to Your Credit Score

When it comes to your retirement, one of the most important components is your credit score. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

* This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

 ** You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

Categories
Save Money

7 Steps Every 48-Year-Old Should Make If They Want To Retire Early

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.

If you want to retire before 66 but your income doesn’t allow you to invest thousands of dollars a month, we’ve got seven simple steps 48-year-olds can use as a starting point to set your retirement planning up for greater success and earlier achievement.

1. Give Your Family $1,000,000

Have you thought about how your family would manage without your income after you’re gone? Chances are your retirement savings and checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But we hear people are paying as little as $16 a month. 

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

2. Buy a Piece of a Corporation (Even If You’re Not Rich)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app StashThey make it easy, plus they’ll give you $5 of stock in Amazon or Google (or another company of your choice) just for opening an account. 

The best part? When these companies you invest in profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

Enter your email address to quickly sign up (you only need to deposit $5 into your investment account to get the $5 bonus).

3. See If You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money for your retirement account in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance 

Did you know you can save some serious money for retirement 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.

5. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.  

An investing app called Robinhood will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. Get a Free $2,700 to Put in Your Retirement Account

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching the news. You could add up to $2,700/year to your retirement account by signing up for a free account with InboxDollars

It’ll present you with short news clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. 

This might sound too good to be true, but it’s already paid people more than $59 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

7. Add up to 300 Points to Your Credit Score

When it comes to your retirement, one of the most important components is your credit score. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

* This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

 ** You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

Categories
Save Money

7 Steps Every 47-Year-Old Should Make If They Want To Retire Early

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.

If you want to retire before 66 but your income doesn’t allow you to invest thousands of dollars a month, we’ve got seven simple steps 47-year-olds can use as a starting point to set your retirement planning up for greater success and earlier achievement.

1. Give Your Family $1,000,000

Have you thought about how your family would manage without your income after you’re gone? Chances are your retirement savings and checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But we hear people are paying as little as $16 a month. 

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

2. Buy a Piece of a Corporation (Even If You’re Not Rich)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app StashThey make it easy, plus they’ll give you $5 of stock in Amazon or Google (or another company of your choice) just for opening an account. 

The best part? When these companies you invest in profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

Enter your email address to quickly sign up (you only need to deposit $5 into your investment account to get the $5 bonus).

3. See If You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money for your retirement account in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance 

Did you know you can save some serious money for retirement 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.

5. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.  

An investing app called Robinhood will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. Get a Free $2,700 to Put in Your Retirement Account

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching the news. You could add up to $2,700/year to your retirement account by signing up for a free account with InboxDollars

It’ll present you with short news clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. 

This might sound too good to be true, but it’s already paid people more than $59 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

7. Add up to 300 Points to Your Credit Score

When it comes to your retirement, one of the most important components is your credit score. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

* This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

 ** You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

Categories
Save Money

7 Steps Every 46-Year-Old Should Make If They Want To Retire Early

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.

If you want to retire before 66 but your income doesn’t allow you to invest thousands of dollars a month, we’ve got seven simple steps 46-year-olds can use as a starting point to set your retirement planning up for greater success and earlier achievement.

1. Give Your Family $1,000,000

Have you thought about how your family would manage without your income after you’re gone? Chances are your retirement savings and checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But we hear people are paying as little as $16 a month. 

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

2. Buy a Piece of a Corporation (Even If You’re Not Rich)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app StashThey make it easy, plus they’ll give you $5 of stock in Amazon or Google (or another company of your choice) just for opening an account. 

The best part? When these companies you invest in profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

Enter your email address to quickly sign up (you only need to deposit $5 into your investment account to get the $5 bonus).

3. See If You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money for your retirement account in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance 

Did you know you can save some serious money for retirement 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.

5. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.  

An investing app called Robinhood will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. Get a Free $2,700 to Put in Your Retirement Account

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching the news. You could add up to $2,700/year to your retirement account by signing up for a free account with InboxDollars

It’ll present you with short news clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. 

This might sound too good to be true, but it’s already paid people more than $59 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

7. Add up to 300 Points to Your Credit Score

When it comes to your retirement, one of the most important components is your credit score. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

* This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

 ** You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

Categories
Save Money

7 Steps Every 45-Year-Old Should Make If They Want To Retire Early

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.

If you want to retire before 66 but your income doesn’t allow you to invest thousands of dollars a month, we’ve got seven simple steps 45-year-olds can use as a starting point to set your retirement planning up for greater success and earlier achievement.

1. Give Your Family $1,000,000

Have you thought about how your family would manage without your income after you’re gone? Chances are your retirement savings and checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But we hear people are paying as little as $16 a month. 

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

2. Buy a Piece of a Corporation (Even If You’re Not Rich)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app StashThey make it easy, plus they’ll give you $5 of stock in Amazon or Google (or another company of your choice) just for opening an account. 

The best part? When these companies you invest in profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

Enter your email address to quickly sign up (you only need to deposit $5 into your investment account to get the $5 bonus).

3. See If You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money for your retirement account in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance 

Did you know you can save some serious money for retirement 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.

5. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.  

An investing app called Robinhood will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. Get a Free $2,700 to Put in Your Retirement Account

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching the news. You could add up to $2,700/year to your retirement account by signing up for a free account with InboxDollars

It’ll present you with short news clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. 

This might sound too good to be true, but it’s already paid people more than $59 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

7. Add up to 300 Points to Your Credit Score

When it comes to your retirement, one of the most important components is your credit score. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

* This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

 ** You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.

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Save Money

7 Steps Every 44-Year-Old Should Make If They Want To Retire Early

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If you want to retire before 66 but your income doesn’t allow you to invest thousands of dollars a month, we’ve got seven simple steps 44-year-olds can use as a starting point to set your retirement planning up for greater success and earlier achievement.

1. Give Your Family $1,000,000

Have you thought about how your family would manage without your income after you’re gone? Chances are your retirement savings and checking account balance won’t last forever.

But you could still leave them up to $1 million in life insurance.

A company called Bestow can help you leave your family up to $1 million in term life insurance, and it can cost less than your monthly Netflix subscription.

We get it — it’s one more bill, and who has time to sign up? But we hear people are paying as little as $16 a month. 

It takes just minutes to sign up and see how much life insurance you can leave them — even if you don’t have seven figures in your bank account.

2. Buy a Piece of a Corporation (Even If You’re Not Rich)

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

But if you work for a living and don’t happen to have millions of dollars lying around, that can sound totally out of reach.

That’s why a lot of people use the app StashThey make it easy, plus they’ll give you $5 of stock in Amazon or Google (or another company of your choice) just for opening an account. 

The best part? When these companies you invest in profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends. 

Enter your email address to quickly sign up (you only need to deposit $5 into your investment account to get the $5 bonus).

3. See If You Can Get Free Money From This Company

Here’s the deal: If you’re not using Aspiration’s debit card, you’re missing out on extra cash. And who doesn’t want extra cash?

Yep. A debit card called Aspiration gives you up to a 10% back every time you swipe.

Need to buy groceries? Extra cash.

Need to fill up the tank? Bam. Even more extra cash.

You were going to buy these things anyway — why not get this extra money for your retirement account in the process?

Enter your email address here and link your bank account to see how much extra cash you can get with a free Aspiration account. Don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s just nerd talk for “this is totally safe.”

4. Cancel Your Car Insurance 

Did you know you can save some serious money for retirement 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.

5. Get up to $200 in Free Stocks

Imagine if you had bought one share of Amazon for $18 when the stock first went public. Today, it would be worth more than $20,000 — despite all the ups and downs in the stock market.

Here’s the thing about millionaires: They know the sooner you start investing, the better. And we found a company that will give you free stock to get started.  

An investing app called Robinhood will give you up to $200 worth of free stock in companies like Visa, Microsoft and GE, just for downloading its app and opening a free account. 

Robinhood is free and easy to navigate, which is why more than 10 million people use it — including both news junkies looking to outsmart the market and people who want to carefully put a few bucks away in a long-term investment.

It takes just a couple of minutes to sign up and get your free stock — you may even just get a share of the “next Amazon.”

6. Get a Free $2,700 to Put in Your Retirement Account

It’s been a historic year in news, and we’re all constantly refreshing for the latest updates. You probably know more than one news-junkie who fancies themselves an expert in respiratory illness or a political mastermind.

And research companies want to pay you to keep watching the news. You could add up to $2,700/year to your retirement account by signing up for a free account with InboxDollars

It’ll present you with short news clips to choose from every day, then ask you a few questions about them. You just have to answer honestly, and InboxDollars will continue to pay you every month. 

This might sound too good to be true, but it’s already paid people more than $59 million.

Enter your email address here and you’ll immediately get a $5 bonus to get you started.

7. Add up to 300 Points to Your Credit Score

When it comes to your retirement, one of the most important components is your credit score. After all, it’ll play an essential role in any big purchase you want to make — whether that’s a home or a car.

So if you’re looking to get your credit score back on track — or even if it is on track and you want to bump it up — try using a free website called Credit Sesame.

Within two minutes, you’ll get access to your credit score, any debt-carrying accounts and a handful of personalized tips to improve your score. You’ll even be able to spot any errors holding you back (one in five reports have one).

James Cooper, of Atlanta, used Credit Sesame to raise his credit score nearly 300 points in six months.*** “They showed me the ins and outs — how to dot the I’s and cross the T’s,” he said.

Want to check for yourself? It’s free and only takes about 90 seconds to sign up.

The Penny Hoarder is a Paid Affiliate/partner of Stash.

* This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers.

 ** You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash.