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13 Ways People In Their 40s Could Cut Costs Today

By Voiced Market
25 June 2025
13 Ways People In Their 40s Could Cut Costs Today

*Updated to 13 ways!

We’re excited to bring you 13 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. This IRA Lets You Invest in Real Estate, Gold, and Even Crypto — Tax-Free

Tired of leaving your retirement at the mercy of the stock market? A self-directed IRA gives you the power to invest in what you believe in — like real estate, precious metals, private equity, or even cryptocurrency — all within a tax-advantaged retirement account.

With IRA Financial, setting one up is easy. They offer a transparent, flat-fee structure (no hidden charges), and have helped over 25,000 clients build more diverse, resilient portfolios.

💡 Why it matters: True diversification can help protect your retirement savings — and give you more control over your financial future.

👉 Open your self-directed IRA here in just a few minutes — and start investing in what you know and trust.

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: There is zero fee, unless National Debt Resolution saves you money. 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. Business Owners: See Up to 20 Funding Offers with One Application

Getting funding shouldn’t be harder than running your business. Whether you’re expanding, stocking up, or just need working capital, or something else, 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. Ditch Your Old Debit Card — This One Pays Up to 2% Cash Back

Still using a debit card that gives you nothing back? You’re missing out. The Upgrade Rewards Checking Account turns everyday purchases — like groceries, gas, and pharmacy runs — into real rewards.

You’ll earn up to 2% cash back on common everyday spending and 1% on everything else. No account fees. No ATM fees. No transfer fees. And yes — it’s FDIC insured.

💡 Pro Tip: Unlike credit cards, this is your own money — so no interest, no debt, and no surprises.

👉 Open your Upgrade account now in under 2 minutes and start earning cash back on every purchase.

7. Have $50K or More? This Quiz Finds Top Financial Advisors Near You

Managing a portfolio of $50,000 or more (it could be cash, stock, bonds, or a combo of asssets)? Don’t do it alone. A trusted financial advisor can help you protect your money, minimize taxes, build a smarter plan for retirement, plus much more — and SmartAsset makes finding the right one easy.

Just take their quick quiz to get matched with up to 3 vetted fiduciary advisors in your area. It’s free, takes just a few minutes, and gives you access to professional guidance with zero pressure or obligation.

💡 Why it matters: Whether you’re planning retirement or simply want a second opinion, personalized advice could help you make better money moves today.

👉 Take SmartAsset’s free quiz now and get matched with top financial advisors in minutes.

8. Homeowners: This Simple Check Could Save You Hundreds a Year

Home insurance is essential — but that doesn’t mean you should overpay for it. If it’s been a while since you last compared rates, there’s a good chance you’re leaving money on the table.

Liberty Mutual makes it easy to customize your coverage and instantly see what you might save. With discounts for things like bundling, security systems, and even new roofs, you could lower your premium without sacrificing protection.

💡 Tip: You can check your rate online in minutes — no calls, no hassle, no commitment.

👉 See your customized quote with Liberty Mutual — it’s fast, free, and could put money back in your pocket.

9. 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.

10. 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.

11. Yelp Is Giving Away $300 in Free Ads To Business Owners — Here’s How to Claim Yours

If you run a local business, customers are already searching for you on Yelp — you just need to show up. Right now, Yelp is offering new advertisers $300 in free ad credit to help you get noticed and drive more leads.

Over 80 million people use Yelp every month to find trusted businesses, and 83% of them make a purchase or hire after visiting. Whether you’re a restaurant, contractor, or service provider, this is an easy way to bring in new customers.

💡 Bonus: You’ll also get access to Yelp’s business tools — including lead tracking, quote requests, and customer messaging.

👉 Claim your Yelp page and unlock $300 in free ad credit here — before the offer ends.

12. Have $10K+ in Savings or Retirement? Here’s a Smart Way to Diversify

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.

13. 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.