12 Ways People In Their 40s Could Cut Costs Today

Updated to 12 ways!

We’re excited to bring you 12 ways to cut your costs with ease. Not just that, but some moves here might actually help you make more and manage your money better!

Stop waiting, start reading! Try at least 1 of them.

1. Don’t Let Surprise Car Repairs Drain Your Wallet

Car repairs always seem to hit at the worst possible time — and they’re rarely cheap. That’s where Endurance comes in. It’s an extended car warranty service that helps cover the cost of unexpected breakdowns after your factory warranty runs out.

From engine trouble to AC failures, Endurance pays the mechanic directly, so you don’t have to stress about a giant repair bill out of nowhere.

💡 Bonus: Plans often include extras like roadside assistance, rental car coverage, and trip interruption protection — all bundled in.

👉 Check if your car qualifies with Endurance — it could save you thousands in the long run.

2. Get Rid Of Credit Card Debt — Without Another Loan

If high-interest credit card balances are weighing you down, you’re not alone — and you’re not out of options, either. National Debt Relief helps people settle their credit card debt for less than what they owe, without taking out another loan or declaring bankruptcy.

This isn’t a quick-fix gimmick. It’s a proven debt relief program that’s helped over 600,000 people reduce what they owe and get on a path toward financial stability.

💡 Worth Knowing: You’ll work with a team that negotiates directly with creditors on your behalf — so you can stop dodging phone calls and start taking control again.

👉 See if you qualify for National Debt Relief — it only takes a minute and could change your financial future.

3.Your Home Could Be the Key to Extra Cash Right Now

If you’re a homeowner, one of the smartest ways to access money — whether for renovations, high-interest debt, or unexpected expenses — is through a home equity loan or HELOC. And with LendingTree, comparing your options is simple.

LendingTree lets you check offers from multiple lenders in minutes, so you can see how much you might qualify for — all without affecting your credit score.

💡 Heads up: Many homeowners don’t realize how much equity they’re sitting on. If you’ve built up value in your home, you could turn it into low-interest cash today.

👉 See how much cash you could unlock with LendingTree — it’s fast, free, and puts you in control.

4. Get the Capital Your Business Needs — Without the Runaround

Running a business comes with challenges — getting funding shouldn’t be one of them. Whether you’re expanding, stocking up, or just need working capital, Fundera simplifies the process.

With one quick application, Fundera matches you with funding offers from top lenders, so you can compare rates and terms — no endless paperwork, no multiple credit checks.

💡 Pro Tip: Even if you’ve been turned down by a bank, Fundera may connect you with lenders who specialize in small businesses like yours.

Over 85,000 companies have secured more than $2.5 billion.

👉 See your funding options on Fundera — it’s fast, free, and made for business owners. See up to 20 funding offers now.

5. Get A Large Life Insurance Policy To Protect Your Family For Just $1 A Day (This Is A Must!)

What would happen if something were to happen to you? If there’s one thing on your list of things to do today, do this. An extra $3,000,000 (or whatever coverage you choose) could go a very long way for your family.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate in your 40s as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $3,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

6. Get the debit card with up to 2% cash back on purchases

You probably use a debit card on a daily basis to buy things for the family (like the grocery or drug store). If your debit card is not giving you cashback you probably want to change that.

The FDIC insured Upgrade Rewards Checking Account will give you up to 2% cashback on common everyday purchases, and 1% cashback on everything else.

There are no ATM fees, no account fees, and no transfer fees.

Open an account in under 2 minutes now. Fund your account with a click of a button, it’s that easy.

7. If You have Over $50,000 In Cash, Stocks, Or Bonds, Now Is The Time To Get A Top Financial Advisor With Ease

Always have an expert at your disposal for a second opinion. If you have over $50,000 in your portfolio (it could be cash, stocks, bonds, or other assets), then proceed to take the free retirement quiz and get matched with up to 3 financial advisors.

This quick and easy tool from SmartAsset helps you connect with vetted fiduciary advisors and get a free, no-obligation consultation. Whether you’re nearing retirement or just starting to plan, expert guidance can make a big difference.

Managing a portfolio over $50k comes with real responsibility—and real opportunity. From optimizing your tax strategy to balancing growth and income needs, a professional advisor can help you make informed decisions that support your goals. The SmartAsset quiz takes just a few minutes and asks a few key questions about your financial situation, timeline, and preferences. Based on your answers, it matches you with advisors who are well-suited to guide your retirement planning.

There’s no cost to get matched or take the quiz, and the consultation with each advisor is completely free. This is your chance to gain clarity and confidence about your financial future—without pressure or obligation. Ready to take the next step toward retirement security? Click the right here and take the free quiz to get matched with up to 3 fiduciary financial advisors today.

8. Get The Free Banking & Accounting Software Built For Business Owners, Freelancers, And Those With Side Hustles To Make Life Easier

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up, with no credit check, no minimum balance, and no required monthly fees. Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Business bank account, debit card, no credit check, no minimum balance, and no required monthly fees. Free to sign up.
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found (Schedule C filers only)
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required monthly fees.

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted. Found’s core features are free. Found also offers an optional paid product, Found Plus for $19.99 / month or $149.99 / year.

9. Open A Self-Directed IRA (Investment Retirement Account) To Invest In Assets Like Real Estate, Gold, Cryptocurrency With Tax Savings

One of the smartest retirement moves you can make is opening a self-directed IRA, which allows you to diversify far beyond traditional stocks and bonds. With a self-directed IRA through IRA Financial, you gain access to a broad range of alternative investments like real estate, precious metals, private equity, cryptocurrency, and more—all within a tax-advantaged account. This kind of diversification not only helps protect your retirement from market volatility but also gives you the freedom to invest in assets you know and trust.

IRA Financial provides a simple, transparent flat-fee structure with no hidden charges—an attractive feature for investors looking to maximize returns and minimize costs.

Since 2010, IRA Financial has helped more than 25,000 clients grow their retirement portfolios while keeping more of their money through tax-advantaged strategies. Their reputation is backed by top-tier recognition, including being named among the best self-directed IRAs of 2024 by Bankrate and Forbes Advisor. Whether you’re an experienced investor or just exploring alternatives, a self-directed IRA could be the move that brings greater control and growth potential to your retirement plan.

Open your self directed IRA right now right here in a few minutes online.

10. Business Owners: Free $300 In Yelp Ads

People on Yelp are looking to spend their money with the right local businesses. Claim your page to show them what you’re all about and get $300 in free ads to start.

And right now for a limited time sign up and get a free $300 in ad credit right here.

80+ million people visit Yelp each month to find restaurants, home services, and other businesses.

83% of users hire or buy from a business they found on Yelp.

Over 60,000 new requests for quotes, consultations or other messages are sent to businesses on Yelp every day.

11. Buy Gold To Diversify, And Do It With Tax Benefits

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard their money. Investing in gold is a straightforward way to diversify your portfolio.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

12. Cut Your Car Insurance Cost In A Couple Minutes

Car insurance is one of those recurring bills that can quietly creep up over time — often without you noticing. But here’s the thing: you could be overpaying by hundreds each year just by sticking with the same provider.

Enter The Zebra, a free online tool that compares real-time quotes from over 100 top insurance companies. In just a few minutes, you’ll get a personalized breakdown of your best options — no phone calls, no spam, no pressure.

💡 Pro Tip: Even if you think you’re getting a good deal, it’s worth checking once or twice a year. Rates change constantly, and loyalty doesn’t always pay off.

👉 Check your rates now on The Zebra — it’s fast, free, and could save you serious cash.