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6 Powerful Wealth Moves For People In Their 40s

By Voiced Market
17 July 2025
6 Powerful Wealth Moves For People In Their 40s

Retirement could seem far into the future, but the earlier the better when it comes to making moves that set you up for success.

It could make all the difference.

1. Get A Retirement Account That Lets You Invest In Real Estate, Gold, And Crypto (Not Just Stocks & Bonds)

Don’t just invest in stocks and bonds with your retirement account. A self-directed IRA gives you the power to invest in 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 have helped over 25,000 clients build more diverse, resilient portfolios.

Why it matters: Real Estate, Gold, Or Crypto could outperform stocks and bonds, plus give you better diversification — and give you more control over your financial future.

Complete the pre-application in just 60 seconds — and start investing in what you know and trust.

2. Business Owners: See Up to 20 Funding Offers For Up To $5,000,000

Whether you’re trying to expand, increase inventory, need more working capital, or anything else, Fundera by NerdWallet simplifies the process for you to get funding. You just need to be in business at least 1 year.

With one quick questionnaire, Fundera matches you with funding offers from top choices, so you can compare — no endless paperwork, and it does not effect your credit to check

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.

3. Get Up To A $3,000,000 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.

4. Get Up To $250,000* Cash If You’re A Homeowner, Instead Of Using A Credit Card Or High Interest Loans

If you’re in need of cash to do something like consolidating debt, making an improvement to your home or making a large purchase, you could use your home to get a home equity line of credit instead of using a high interest credit card or other higher interest loans. You could use the cash for almost anything and potentially save money in interest payments.

Check your rates now right here with Upstart in minutes and find out how much cash you might be able to receive (loans range from $26,000 – $250,000*).

A home equity line of credit allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral, a home equity line of credit will usually provide you with better interest rates than unsecured loans or credit cards. You can borrow money from your home equity line of credit as needed up to your credit limit, and pay it back in monthly payments.

Upstart could help you get the cash you need quickly using a home equity line of credit. Check right here.

*Upstart Mortgage offers HELOCs from $26K-$250K. The exact amount you may borrow depends on what you qualify for based on your application information.
All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873.

5. Get A Top Financial Advisor For Expert Advice

The market has continued to hit all time highs. Still no financial advisor? Why not!

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, make investment choices, 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 couple 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 on day to day finances, personalized advice could help you make better money moves everyday.

Take SmartAsset’s free quiz now and get matched with top financial advisors in just 2 minutes.

6. We Got Business Owners $300 in Free Yelp Ads, To Grow Your Business — Here’s How to Claim Yours

If you run a local business like a restaurant, bar, auto service, dentist office, or something else, 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 this offer ends.


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